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    Edmundo Daco Jr.

    Yes, an F-1 visa holder with OPT can apply for mortgage. If you have a good savings and monthly income, then you can send applications to banks, credit unions, and private lenders.  However, you will also need to have good credit score. A credit score is important for lenders during a loan application because it shows how good a borrower is in paying back their loans. As an F-1 visa holder with OPT, you only have a temporary visa to the US. This means that lenders will doubt your capability to pay for a long-term loan, such as a mortgage loan. You therefore need to show good to excellent credit score and income sources that will convince the lenders to give you the loan.

    If you don't have a credit score yet, you can start building one by getting a credit card. You can also get a personal loan from lenders that help non-immigrants in the US, like STILT. The company give loans even without a cosigner or collateral and can help you build a good credit score. They offer the lowest rates on personal loans and student loans. You will have the approval within 24 hours.

    When you finally have a good credit score, you can go ahead and apply for a mortgage loan. Make sure shop around to find the best deal. And for sure approval, it will be the best if you can find someone to cosign the loan for you.

    Note: This is not a legal advice.

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