Jump to content
Sign in to follow this  
lgg

GC Extension notice and my mortgage...

14 posts in this topic

Recommended Posts

Hi everyone! Thanks for your response with my query as to why this was taking so long. I have another question -- we are in the process of purchasing a house and we have sent in all my removal of conditions forms, they were sent in 5 months ago. So now... I have my expired green card and my letter of extension. Our loan is JUST coming out of underwriting and in QC and they have finally asked for a copy of my GC. I was wondering as to why they had not right at the start. Anyway... is a copy of my GC and a copy of my extension letter going to be okay, do you think? anyone else have to go through this?

Any other stories would be appreciated -- just wish my CG would get here already. So long and now that we're buying a house, we have even MORE evidence of a bonified marriage. Thanks a lot, everyone


USCIS

NOA #2: Approval June 25th, 2009 - 92 days

NVC

July 8, 2009 to August 10, 2009 - 28 days

Interview Assigned - December 3, 2009 - FINALLY!!

Medical - December 14, 2009 - Passed

Embassy/Interview - January 26, 2010 Montreal, Quebec Canada - 167 days PASSED!!!

Port of Entry - February 26, 2010 Baltimore International, Maryland

USCIS -- ROC package sent off

November 26, 2011 to Vermont station November 30, 2011 received NOA1December 16, 2011 received biometrics appointment.

January 04, 2012 Biometrics

September 2, 2012, RFE Received.

September 22, 2012 RFE responded to

October 15, 2012 ROC approved, 10 Green card on its way.

kermit_the_frog1237963302.jpg

"Here's some simple advice: Always be yourself. Never take yourself too seriously.

And beware of advice from experts, pigs, and members of Parliament."

Kermit the Frog

Visit my News Feed Page -- Good Reads for Everyone!

Share this post


Link to post
Share on other sites

Why do they need your GC for a mortgage? But in any case, extension letter should be fine.

If you are using your income and/or credit to qualify for a mortgage, most lenders require proof of authorization to work in the U.S., including government-backed mortgages.

Share this post


Link to post
Share on other sites

I dunno, but to me, it makes sense that they would ask -- I was shocked that that was not one of the first things that they asked, actually. It's just that we are thisclose to finishing with all this loan stuff and THEN they're like, oh by the way....

But yes it makes sense that they'd want it. I just want to make sure that they're happy with that and my letter of extension. Like I said, I just wish the GC would get here -- it's been almost 6 months and I've had the biotmetrics done and everything.

Thanks to all who answer.

:)


USCIS

NOA #2: Approval June 25th, 2009 - 92 days

NVC

July 8, 2009 to August 10, 2009 - 28 days

Interview Assigned - December 3, 2009 - FINALLY!!

Medical - December 14, 2009 - Passed

Embassy/Interview - January 26, 2010 Montreal, Quebec Canada - 167 days PASSED!!!

Port of Entry - February 26, 2010 Baltimore International, Maryland

USCIS -- ROC package sent off

November 26, 2011 to Vermont station November 30, 2011 received NOA1December 16, 2011 received biometrics appointment.

January 04, 2012 Biometrics

September 2, 2012, RFE Received.

September 22, 2012 RFE responded to

October 15, 2012 ROC approved, 10 Green card on its way.

kermit_the_frog1237963302.jpg

"Here's some simple advice: Always be yourself. Never take yourself too seriously.

And beware of advice from experts, pigs, and members of Parliament."

Kermit the Frog

Visit my News Feed Page -- Good Reads for Everyone!

Share this post


Link to post
Share on other sites

As many times as I have dealt with mortgage companies, they are for some weird stuff just before closing escrow, and funding the loan. You have to hope the extension letter will work, with the explanation that you don't see any reason why your ROC won't be approved. However, you just never know what they may decide until the loan is funded.

My first mortgage, they cut the check with my nickname as my first name, instead of my legal one. The escrow company, my agent, and I, decided in was easier to conform all the other documents to the check and loan papers, then go back to the loan company and get another check. It was the last day of escrow, and this was after having the mortgage company try and change the loan terms within a few days of closing. It took threats of a lawsuit from two real estate companies, the escrow company, the seller and me, just to get that check. What a pain!

Share this post


Link to post
Share on other sites

Yep, this is my fear. And since they're going to be SO ignorant as to how this process works, they're not even going to even realize that the actual buying of the house is the most bonified way really for the USCIS to assess the validity of a marriage. So, i'm expecting some issue as no one who has not gone through immigration knows what most things mean. So, I'm just waiting for all the hassle to come raining down.

YaY!

As many times as I have dealt with mortgage companies, they are for some weird stuff just before closing escrow, and funding the loan. You have to hope the extension letter will work, with the explanation that you don't see any reason why your ROC won't be approved. However, you just never know what they may decide until the loan is funded.

My first mortgage, they cut the check with my nickname as my first name, instead of my legal one. The escrow company, my agent, and I, decided in was easier to conform all the other documents to the check and loan papers, then go back to the loan company and get another check. It was the last day of escrow, and this was after having the mortgage company try and change the loan terms within a few days of closing. It took threats of a lawsuit from two real estate companies, the escrow company, the seller and me, just to get that check. What a pain!


USCIS

NOA #2: Approval June 25th, 2009 - 92 days

NVC

July 8, 2009 to August 10, 2009 - 28 days

Interview Assigned - December 3, 2009 - FINALLY!!

Medical - December 14, 2009 - Passed

Embassy/Interview - January 26, 2010 Montreal, Quebec Canada - 167 days PASSED!!!

Port of Entry - February 26, 2010 Baltimore International, Maryland

USCIS -- ROC package sent off

November 26, 2011 to Vermont station November 30, 2011 received NOA1December 16, 2011 received biometrics appointment.

January 04, 2012 Biometrics

September 2, 2012, RFE Received.

September 22, 2012 RFE responded to

October 15, 2012 ROC approved, 10 Green card on its way.

kermit_the_frog1237963302.jpg

"Here's some simple advice: Always be yourself. Never take yourself too seriously.

And beware of advice from experts, pigs, and members of Parliament."

Kermit the Frog

Visit my News Feed Page -- Good Reads for Everyone!

Share this post


Link to post
Share on other sites

Yep, this is my fear. And since they're going to be SO ignorant as to how this process works, they're not even going to even realize that the actual buying of the house is the most bonified way really for the USCIS to assess the validity of a marriage. So, i'm expecting some issue as no one who has not gone through immigration knows what most things mean. So, I'm just waiting for all the hassle to come raining down.

YaY!

We just bought a car for my wife who doesn't have her green card after 6 months of waiting. One company I checked with to get us a loan refused to include my wife on the loan because her SS card said good for employment with DHS authorization. We had included a copy of the EAD. They'd give me a loan alone, but not if I wanted my wife on the loan. The other could have cared less what it said, as long as my credit was good. We talked with the bank about a refi on the house, and our bank seems fine with her status. Of course we haven't actually done paper work yet, so who knows really.


K1 from the Philippines
Arrival : 2011-09-08
Married : 2011-10-15
AOS
Date Card Received : 2012-07-13
EAD
Date Card Received : 2012-02-04

Sent ROC : 4-1-2014
Noa1 : 4-2-2014
Bio Complete : 4-18-2014
Approved : 6-24-2014

N-400 sent 2-13-2016
Bio Complete 3-14-2016
Interview
Oath Taking

Share this post


Link to post
Share on other sites

Your best bet might be to speak directly to someone from the lending institution and explain that you are in the process of renewing your expired card, which usually takes several months and ask what document they would accept as proof - copy of expired card, copy of extension letter or USCIS stamp in passport (you could get that at an Infopass). Sometimes they just have to check a box in their system and need some kind of document to basically cover their ####, so they are happy to get anything that fulfills the requirements somehow, especially when they are given options and are allowed to pick which one they want themselves.

It should work out, but it does seem that different lenders have different procedures and requirements, and it might be worth it to shop around for the right bank if a particular one is giving you more trouble than you can handle. A friend of mine does not even have a GC (she is on H1B, single lady) but was able to buy a house in 2009 and refinance it last year without any issues - just talked to as many banks as she had time to contact. On the other end of the spectrum, I've received a rejection from a bank on a credit card application stating that the reason they wouldn't approve was that I'm not a US citizen, period, even though I had had a checking account with them for several years (wouldn't even let me open a prepaid CC account) - well, they lost a client really fast and another bank gave me a CC with an 8K limit within a few months. We bought our house 6 months after our marriage, so we had a similar issue but mostly because of lack of credit history for me - the mortgage is technically under my US hubby's name, but they listed me as guarantor of the mortgage, putting my name on all mortgage documents and on the deed, so USCIS got plenty of paperwork for ROC.

Edited by DaniG

10/07/2007 Entered the US on J-1 visa

11/03/2008 Changed status to F-1

02/14/2010 Married

03/15/2010 Filed AOS (from F-1)

05/27/2010 AOS approved, GC Issued

02/28/2012 Mailed I-751 (Removal of Conditions)

03/01/2012 I-751 received by CSC/NOA Issued

03/15/2012 Biometrics letter sent

04/12/2012 Biometrics appointment per letter

05/27/2012 GC expires

Share this post


Link to post
Share on other sites

Yepper!

Same with us. All went well.

Thanks a lot, everyone.

No worries -- we just bought a house and I had to submit a copy of my expired green card along with the extension notice letter. No questions asked -- got approved for mortgage :)


USCIS

NOA #2: Approval June 25th, 2009 - 92 days

NVC

July 8, 2009 to August 10, 2009 - 28 days

Interview Assigned - December 3, 2009 - FINALLY!!

Medical - December 14, 2009 - Passed

Embassy/Interview - January 26, 2010 Montreal, Quebec Canada - 167 days PASSED!!!

Port of Entry - February 26, 2010 Baltimore International, Maryland

USCIS -- ROC package sent off

November 26, 2011 to Vermont station November 30, 2011 received NOA1December 16, 2011 received biometrics appointment.

January 04, 2012 Biometrics

September 2, 2012, RFE Received.

September 22, 2012 RFE responded to

October 15, 2012 ROC approved, 10 Green card on its way.

kermit_the_frog1237963302.jpg

"Here's some simple advice: Always be yourself. Never take yourself too seriously.

And beware of advice from experts, pigs, and members of Parliament."

Kermit the Frog

Visit my News Feed Page -- Good Reads for Everyone!

Share this post


Link to post
Share on other sites

Actually, with regards to the green card, from my experience, (my husband and I have done 3 closings as a married couple) it depends on the financial institution and how they will react to your green card expired and extension letter.

Bank of America has closed on 2 of our houses, where they did not give us any issues.

However, there was a company which would not put me on the mortgage to one of our homes (as luck would have it- our matrimonial one). It was a third party lending company which ended up selling us to Bank of America in the end....go figure!

Either way, good luck! I agree with the person who made the comment on how difficult it is to obtain "matrimonial evidence" with no banks giving conditional green card holders mortgages, joint credit cards, etc.

Share this post


Link to post
Share on other sites

I am facing the same issue soon. I'll be the principal borrower, so they want to see my GC. We will be closing hopefully in two months (haven't found a house yet) and I expect the GC in the mail any day now (was approved 32 days ago). But this delay with USCIS surely makes me nervous. I am sick of having to submit the makeshift paperwork. I want to be able to submit the real thing. That approval letter on standard white paper doesn't look official at all.

Share this post


Link to post
Share on other sites

My husband and I are in the process of closing a loan and he is still a CR1. We cannot apply for ROC until October of this year. At the beginning of the process, they asked for a copy of his green card and we submitted what we had. We are due to close on July 27 and I am nervous that will be our hiccup as he is the sole person on the loan. I have another home in my name and cannot be on his loan. Since his arrival in America, we have a child together so I don't think removing conditions will be an issue for us..but am concerned how the underwriters will view the CR1..


Personal Journey

2009-01-09 : Met online

2009-08-20 : Wedding in Bangalore, India

2011-06-14 : Hubby finally makes the permanent move to USA

2011-07-20 : Two Pink Lines (Oops!)

2012-04-02 : Our daughter Lili is born!

NVC ~CR-1 Visa~ Journey

2010-02-01 : NVC case # assigned

2010-02-05 : DS-3032/AOS Bill Generated

2010-02-07 : DS-3032 e-mailed; AOS/I-864 Bill (paid online $70)

2010-02-12 : e-mailed DS-3032 accepted by NVC

2010-03-05 : Sent In Completed I-864

2010-03-15 : IV Fee bill generated, paid online $400

2010-06-17 : Sent In Completed DS-230 Packet (took forever to get PCC and BC)

2010-06-18 : DS-230 Signed for by NVC

2010-06-23 : AVR updates "The checklist letter response has been received. Wait 6-8 weeks and you will be notified.

2010-08-06 : Sign in Failed: Finally

2010-08-10 : AVR updates "The case was complete on August 9..."

2010-08-13 : NVC e-mailed an interview date for September 2 2010 9AM - per our request--rescheduled for Oct 4 2010

2010-09-23 : Medical scheduled

2010-10-04 : Interview Failed - Required additional documetation because of sponser job change

2010-10-10 : Submitted additional paperwork to VFS in Bangalore

2010-10-21 : Received notice that Visa is APPROVED!!!

2010-10-24 : Visa in hand

2010-12-23 : US entry

2011-02-14 : Received Green Card

2011-02-15 : Welcome letter sent

USCIS ~Removal of Conditions~ Journey

2012-09-30 : I-751 package sent via USPS (Vermont)

2012-10-05 : Check Cashed

2012-10-09 : Received NOA Letter dated 10-03-2012

Share this post


Link to post
Share on other sites

My husband and I are in the process of closing a loan and he is still a CR1. We cannot apply for ROC until October of this year. At the beginning of the process, they asked for a copy of his green card and we submitted what we had. We are due to close on July 27 and I am nervous that will be our hiccup as he is the sole person on the loan. I have another home in my name and cannot be on his loan. Since his arrival in America, we have a child together so I don't think removing conditions will be an issue for us..but am concerned how the underwriters will view the CR1..

This isn't a problem. He's not a "CR-1" anymore, he's a conditional permanent resident. A Green Card is a Green Card no matter how you got it.

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×