Regarding “had kids, with a home”, here are the federal programs that help H-1Bs with home loans and ownership :
During the Biden administration, H-1B visa holders were buying houses with 97-100% financing :
https://freerepublic.com/focus/f-news/4379360/posts
I asked Google AI :
“Does the FHA have a list of subsidized loans made to H-1B holders?”
It said the “FHA does not collect citizenship or residency status on standard loan applications.”
Google then offered to provide me information on “Conventional Fannie Mae/Freddie Mac mortgages that still allow H-1B borrowers”.
Searching Google with the terms “fannie mae H-1B” yields the following from its AI :
“...
Mortgage and Home Loan Eligibility
Borrower approval: H-1B visa holders are fully eligible for conventional home mortgages backed by Fannie Mae under the same baseline terms as U.S. citizens.”
Can H-1B Holders Get a US Home Loan Without Credit? Truth Explained
https://www.youtube.com/watch?v=DuYEaCrtBpY
Documentation rules: Borrowers must possess a valid Social Security Number (SSN) and a current, verified legal status documented by an unexpired work visa or I-94/I-797 paperwork.”
Searching Google with the terms “freddie mac H-1B” yields the following from its AI :
“...
Mortgage Guidelines for H-1B Holders
Loan Eligibility: Non-U.S. citizens with nonpermanent lawful residency status (such as an H-1B visa) are eligible for Freddie Mac mortgage guidelines on the same terms as U.S. citizens, provided they have valid residency status and meet standard credit requirements (typically a credit score of 620 or higher).”
This link, dated 2025 is shocking. Loans for investment and vacation homes are POSSIBLE :
Fannie Mae/Freddie Mac Mortgages for H1B Visa Holders
https://homeabroadinc.com/mortgages/fannie-mae-freddie-mac-h1b-mortgage/
Fannie Mae/Freddie Mac Mortgages for H1B Visa Holders
A credit score of 620 or higher is required to be eligible for Fannie Mae and Freddie Mac loans.
I’m an immigrant from the UK - came in ‘87 as a young teenager, spent my entire adult life here - USA citizen now for 26 years.
...my dad worked for a UK company that opened an office here, they needed him to be here. The first thing he did, before bringing us - bought a home.
Of course, I had no idea of what risks were being taken. That said, it only took us 2 years to get Permanent Residence status. I had no idea it had become such a different story for Indian’s today.