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Effective Date: 1/28/2021
Effective for application dated on or after January 28, 2021, Keystone Funding Inc. (KFI) will accept individuals classified by the U.S. Citizenship and Immigration Services (USCIS) under the “Deferred Action for Childhood Arrivals” (DACA) program. These applicants are legally permitted to work in the U.S. and as such are eligible to apply for Fannie Mae, Freddie Mac and FHA mortgages.

The following requirements must be met:
 Primary Residence only
 The borrower must have a valid Social Security Number (SSN) and;
 The borrower must be eligible to work in the U.S. as evidenced by the Employment Authorization Document issued by the USCIS.

The Employment Authorization Document (EAD) is required to substantiate work status. If the EAD will expire within one year and a prior history of residency status renewal exists, it may be assumed that the continuation will be granted. If there are no prior renewals, the likelihood of renewal based on the information from the USCIS must be substantiated.

The classification of DACA is ineligible for USDA and VA loans.

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