48 Meriden Rd, Suite 1, Middlefield, CT 06455

It’s time for the DACA “Dreamer’s” to Become Homeowners!

HUD has announced that it has extended eligibility for FHA mortgages to individuals who are classified under the DACA – Deferred Action for Childhood Arrivals program. DACA recipients who have come to be known as “Dreamers” are individuals who were brought to this country before their 16th birthday and were under 31 years old when DACA was established in June 15, 2012. These individuals are legally permitted to work in the U.S.

The announcement makes it clear that DACA status recipients are now eligible to apply for mortgages insured by the FHA, according to the former HUD Deputy Secretary Brian Montgomery. He went on to say, “This notification marks the first time since DACA was established in 2012 that makes clear DACA status recipients are eligible to apply provided they meet other FHA requirements.”

Before HUD’s announcement, FHA-insured mortgages were not granted to Non-U.S. citizens who didn’t have “lawful residency” in the U.S., therefore, the “Dreamer’s” weren’t eligible for FHA-insured mortgages. HUD stated that the term “lawful residency” didn’t anticipate that one might not have entered the U.S. legally but none the less be lawfully present.  This clause has been removed as of January 19, 2021 making these individuals able to qualify for an FHA-backed mortgage along with meeting the necessary FHA guidelines.

Please give me a call to get more information on how to qualify for these mortgages.  I have been in the industry for over 35 years and I’m well versed in FHA guidelines concerning DACA borrowers and what is needed to qualify them to purchase. 


Dotty Owens
NMLS# 70977
Northeast Financial, LLC (Company NMLS: 117273)