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HUD's Game-Changing Policy: Why Undocumented Immigrants Can No Longer Qualify for FHA Loans
In a move that has ignited fierce debate across the nation, the U.S. Department of Housing and Urban Development (HUD) announced on March 26, 2025, that it will terminate FHA mortgage eligibility for undocumented immigrants. The policy, spearheaded by HUD Secretary Scott Turner, marks a significant shift in federal housing access and carries profound implications for real estate markets, immigrant communities, and the 2024 election landscape. 1. The Policy Breakdown: What Just Changed? The Core Directive:Undocumented immigrants—even those using Individual Taxpayer Identification Numbers (ITINs)—will be explicitly barred from Federal Housing Administration (FHA)-backed mortgages. FHA Loans 101: The “Gray Area” Closed:While FHA rules always required applicants to be U.S. citizens or lawful permanent residents, some undocumented immigrants previously qualified by using ITINs. This loophole is...
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