False claim to USC???

[Badiou 4]

Hello all, I am legal alien with work visa. Found an error on the mortgage application that bank had checked U.S. citizen for me. It was before closing. I asked the bank to fixe it. The final information on the loan were correct when signed. 

I'm just wondering if the original wrong form would be considered false claim to USC at all.

Hope I'm just overthinking. This cannot be considered a "claim" in anyway, right?

 

Thank y'all!

 

[HRQX 4,146]

21 minutes ago, Badiou said:

This cannot be considered a "claim" in anyway, right?

It's not an issue because you fixed it and you still qualified for the mortgage as a non-citizen: https://www.uscis.gov/policy-manual/volume-8-part-k-chapter-2 "Furthermore, U.S. citizenship must affect or matter to the purpose or benefit sought. That is, U.S. citizenship must be material to the purpose or benefit sought."

[Babu Frik 1,179]

Are you the same person in this post?

 

 

[Badiou 4]

1 minute ago, Babu Frik said:

Are you the same person in this post?

 

 

I'm not. I don't have a wife.

But thank you for pointing me to that post! 

This is uncanny. I found out about the mistake on the same date as that guy.

[Zaidba 39]

7 hours ago, Badiou said:

Hello all, I am legal alien with work visa. Found an error on the mortgage application that bank had checked U.S. citizen for me. It was before closing. I asked the bank to fixe it. The final information on the loan were correct when signed. 

I'm just wondering if the original wrong form would be considered false claim to USC at all.

Hope I'm just overthinking. This cannot be considered a "claim" in anyway, right?

 

Thank y'all!

 

No, it is not considered false claim. First: you did not claim anything, it was the bank mistake and you corrected it. Second: you have your mortgage with the correct information.

[BBlueB 35]

Relax

[JFH 12,195]

Not an issue. You didn’t claim to be a USC, someone else assumed you were without checking with you or someone misunderstood the term “legal alien”. You will find that many people, particularly in the finance industry and at the DMV it seems, do not understand the differences between “resident”, “citizen” and “non-resident legal alien”. 

[replaysports 41]

18 hours ago, Badiou said:

Hello all, I am legal alien with work visa. Found an error on the mortgage application that bank had checked U.S. citizen for me. It was before closing. I asked the bank to fixe it. The final information on the loan were correct when signed. 

I'm just wondering if the original wrong form would be considered false claim to USC at all.

Hope I'm just overthinking. This cannot be considered a "claim" in anyway, right?

 

Thank y'all!

 

This again....!? Search the forum... take a chill pill!!!

[Orangesapples 1,954]

17 hours ago, Badiou said:

I'm not. I don't have a wife.

But thank you for pointing me to that post! 

This is uncanny. I found out about the mistake on the same date as that guy.

It's not that weird. The rates are super low right now and everyone is refinancing or buying. With so many mortgage applications mortgage companies are overwhelmed (and maybe hiring new and inexperienced people), mistakes like this happen. 

 

BTW, I've applied for a mortgage 3 times now with 3 different companies and somehow they all knew I was a permanent resident each time and asked me for a copy of my green card (I never told them) while they didn't ask my husband for a proof of citizenship. No idea how they knew. 

Edited December 18, 2020 by Orangesapples

[Babu Frik 1,179]

10 minutes ago, Orangesapples said:

It's not that weird. The rates are super low right now and everyone is refinancing or buying. With so many mortgage applications mortgage companies are overwhelmed (and maybe hiring new and inexperienced people), mistakes like this happen. 

 

BTW, I've applied for a mortgage 3 times now with 3 different companies and somehow they all knew I was a permanent resident each time and asked me for a copy of my green card (I never told them) while they didn't ask my husband for a proof of citizenship. No idea how they knew. 

That means they actually ran their background checks

[Badiou 4]

12 hours ago, Zaidba said:

No, it is not considered false claim. First: you did not claim anything, it was the bank mistake and you corrected it. Second: you have your mortgage with the correct information.

 

11 hours ago, BBlueB said:

Relax

 

5 hours ago, JFH said:

Not an issue. You didn’t claim to be a USC, someone else assumed you were without checking with you or someone misunderstood the term “legal alien”. You will find that many people, particularly in the finance industry and at the DMV it seems, do not understand the differences between “resident”, “citizen” and “non-resident legal alien”. 

 

1 hour ago, replaysports said:

This again....!? Search the forum... take a chill pill!!!

 

1 hour ago, Orangesapples said:

It's not that weird. The rates are super low right now and everyone is refinancing or buying. With so many mortgage applications mortgage companies are overwhelmed (and maybe hiring new and inexperienced people), mistakes like this happen. 

 

BTW, I've applied for a mortgage 3 times now with 3 different companies and somehow they all knew I was a permanent resident each time and asked me for a copy of my green card (I never told them) while they didn't ask my husband for a proof of citizenship. No idea how they knew. 

 

1 hour ago, Babu Frik said:

That means they actually ran their background checks

Thanks for your input, everybody!

It's been a journey! When I noticed and corrected the mistake on the mortgage form, I didn't even realize it's such a big deal. After I researched further, that's when I started getting panicked.

I studied every case on this page https://www.uscis.gov/policy-manual/volume-8-part-k-chapter-2. The interpretation could be really broad, especially if you read the last example under Point 3 Intention to Achieve a Purpose.

I also emailed a few attorneys. And just like the other guy, I asked the bank to provide a confirmation that I did not give them the wrong info. 

I wish I came to this forum earlier. But it was not prioritized by google and I just found it.

 

I'll move on with my life now!

 

[Orangesapples 1,954]

32 minutes ago, Badiou said:

 

 

 

 

 

Thanks for your input, everybody!

It's been a journey! When I noticed and corrected the mistake on the mortgage form, I didn't even realize it's such a big deal. After I researched further, that's when I started getting panicked.

I studied every case on this page https://www.uscis.gov/policy-manual/volume-8-part-k-chapter-2. The interpretation could be really broad, especially if you read the last example under Point 3 Intention to Achieve a Purpose.

I also emailed a few attorneys. And just like the other guy, I asked the bank to provide a confirmation that I did not give them the wrong info. 

I wish I came to this forum earlier. But it was not prioritized by google and I just found it.

 

I'll move on with my life now!

 

Good luck! And if you need more assistance with immigration in the future, you're welcome to come back and ask. 

[replaysports 41]

4 hours ago, Orangesapples said:

It's not that weird. The rates are super low right now and everyone is refinancing or buying. With so many mortgage applications mortgage companies are overwhelmed (and maybe hiring new and inexperienced people), mistakes like this happen. 

 

BTW, I've applied for a mortgage 3 times now with 3 different companies and somehow they all knew I was a permanent resident each time and asked me for a copy of my green card (I never told them) while they didn't ask my husband for a proof of citizenship. No idea how they knew. 

Its called a credit check....

[Orangesapples 1,954]

1 minute ago, replaysports said:

Its called a credit check....

Does a credit report mention your citizenship status? I check my credit report regularly and I don't remember seeing that.