HUD Title I Letter 490: Revisions to Residency Requirements
The U.S. Department of Housing and Urban Development issued Title I Letter 490 on March 26, 2025. The letter removes the eligibility for non-permanent resident aliens to obtain FHA Title I loans, updating the requirements for permanent residents in the Property Improvement and Manufactured Home Loan Programs. The new guidelines stipulate that lenders must determine the borrowerโs residency status based on the loan application and supporting documentation, with Social Security cards no longer sufficient to verify immigration status.
