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Getting a mortgage loan while AOS after K1 entering

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I entered last April, got married and filed for AOS in July (within 90 days). However, I received a interview waiver letter and I'm still waiting on my green card.

We are getting a house loan. The closing date is early next month. Our underwriter is asking for a visa that has not expired which I do not have. I'm wondering if there is any official documents (eg USCIS explanations) that I can show her that having the i-797c and my EAD represents my legal status in the US and I'm eligible to get a loan. I stayed in the US from 08-13, I have excellent credit score here.

Thanks guys!

-------F1----- Aug 2008 F1 Entry; Oct 2010 First OPT-first EAD; Oct 2011 OPT-Stem 17 months-second EAD; Mar 2013 OPT Expired. Filed K1, left US in May

--------K1----- Jul 2013 NOA2; Aug 2013 NOA3; Dec 2013 Physical Exam; Dec 2013 Interview; Jan 2014 K1 Approved; Apr 2014 Back to the US 

----------AOS 2014----------

July 1 - Sent AOS Package via UPS; July 3- Package received by USCIS Chicago lockbox

July 20- NOA1 of AOS (texted Sunday night at 11:55)-the actual notice date is July 18th 2014; July 24- Received NOA1 in mail

Aug 12- No biometrics appointment letter. Called USCIS

Aug 13- Received response email from USCIS saying appointment scheduled on 8/19/2014; Letter was mailed on 08/02/2014. Called again to ask them to fax me the appointment letter; Aug 14- Received the fax. Successful walk in at the Durham location 3:30 pm. Received the biometric letter in the mail after I got back from the walk in. So ironic!

Sep 5- I131 approved; Sep 23- No change on I765. Called USCIS and they filed a request for me. 

Sep 24- I765 approved (after I complained)

Oct 3- Combo card received; Oct 18- Received "Notice of Potential Interview Waiver Case" letter, dated Oct 15, 2014

---2015 (6 months after received the waiver with no movement of the case, I started to call USCIS and complain)---

May 18- Made the third Service Request of I485- no response in 30 days. Case was sent to Miami according to Tier 2

June 18- Made the fourth Service Request - no response as of July 16

July 16- Talked with Tier2. Tier 2 said someone started to work on my case on the 16th, same day! At 6 pm, received notification saying Card in Production

July 17- Notification updated to welcome letter mailed; July 20- Received Welcome Letter

Aug 18- Received Greencard (after I called several times complaining about not receiving the card)

----------ROC 2017----------

Apr 25 - Sent ROC package via USPS

Apr 26 - Shown package delivered

May 09 - Check cashed

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Uhmm...looks like it will be very very difficult in your situation to be added to the title.


However, you are very close to receiving the green card, but with closing just around

the corner, if you don't receive GC by closing, you probably just have to close it without your

name on the title, then add it after you get the GC...unless you can delay the closing...

but then...you don't know exactly when GC will show up.

If you have to, you can always add your name later.


10-04-2013 We met online
11-21-2013 We met in person in Shanghai for 2 weeks

12-13-2013 I-129F packet sent via express

12-19-2013 USCIS NOA #1 (text and email) received

12-24-2013 USCIS assigns Alien Registration Number
12-31-2013 USCIS NOA #1 hard copy received
06-02-2014 USCIS web site shows NOA #2 approval
06-06-2014 USCIS web site shows case sent to NVC

06-xx-2014 Fiancee acquired birth, marriage, and police certificates from local police station (wrong)

06-16-2014 NVC creates case with GUZ### number

06-19-2014 NVC sends case sent to Guangzhou, China
06-24-2014 Received packet 3 express mail from embassy
06-25-2014 Completed DS-160 and paid K1 visa fee

06-26-2014 Mailed packet 3 response back to Embassy

06-26-2014 Requested police certificate from Russian embassy

07-08-2014 Received packet 4 email from Embassy

07-17-2014 Picked up Russian police certificate

07-25-2014 Fiancee medical exam (received MMR & Varicella, but they missed required TD shot)

07-31-2014 Picked up medical exam reports

08-01-2014 Request (correct) birth, marriage, and police certificates from Notarial Service (GongZhengChu)

08-06-2014 Picked up birth, marriage, and police certificates from Notarial Service

08-14-2014 Passed Interview Guangzhou embassy

09-01-2014 Received passport, visa, & sealed envelope

09-13-2014 POE

09-17-2014 Went to CBP office to get (US entry) I-94 updated correctly

09-18-2014 Applied for Social Security Card
09-19-2014 Applied for Marriage License (via online)
09-25-2014 Received Social Security Card
09-30-2014 Picked up Marriage License
10-09-2014 Marriage by Justice of Peace
10-09-2014 Got Certified Marriage Certificate Copies
10-17-2014 Received a letter from SS office that they need the marriage license
10-09-2014 Applied to change the social security card name
10-24-2014 Went back to SS office to provide the marriage certificate documents again!!!
12-09-2014 Submitted AOS, EAD, and AP
12-16-2014 Received 16 emails and 16 text NOA messages
01-05-2015 Received Biometrics appointment letter for (01-12-2015)
01-12-2015 Had Biometrics (fingerprint & picture) - Required Marriage Certificate!!!
02-17-2015 EAD and AP is approved
02-23-2015 Received AP is approval letter
02-25-2015 Received EAD/AP combo card (expires 02/16/2016)
02-27-2015 Applied for SS card name change (they took her SS card)
02-27-2015 Driver's learner permit test was denied since the SS card was given to SS office for name change
03-17-2015 Received SS card with married name
03-17-2015 Started to change all her accounts to married name
03-23-2015 Received potential interview waiver letter
03-27-2015 DMV rejects learner's permit due to "legal status=pending" and vision test failure
04-05-2015 Vision test for learner's permit
04-06-2015 DPS sent us letter that DHS cleared my wife's status to acquire driver's license.
04-10-2015 Passed Driver Learner's Permit
04-22-2015 Received Driver Learner's Permit ID card (expires 02/16/2016)
08-27-2015 Green Card approved
08-31-2015 Received Green Card "Welcome Notice Was Mailed" letter
09-05-2015 Received Green card
10-26-2015 Passed Driver's License Road Test (on 3rd attempt)
11-03-2015 Received Driver's License (expires 02/16/2022)
11-06-2015 Applied to remove conditional work remark on SS card
11-23-2015 Received updated Social Security Card.
- - - - - - - - - - Pending Future Processing - - - - - - - - - -
05-27-2017 File 10 Year Green Card
08-27-2017 2 Year Green Card Expires
05-27-2018 File USC

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The underwriter should accept an EAD, most likely they not know it's an acceptable document/ID . Smells like you'll have to train up the underwriter a bit.

Sometimes my language usage seems confusing - please feel free to 'read it twice', just in case !
Ya know, you can find the answer to your question with the advanced search tool, when using a PC? Ditch the handphone, come back later on a PC, and try again.

-=-=-=-=-=R E A D ! ! !=-=-=-=-=-

Whoa Nelly ! Want NVC Info? see http://www.visajourney.com/wiki/index.php/NVC_Process

Congratulations on your approval ! We All Applaud your accomplishment with Most Wonderful Kissies !


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