Yaar, we know you can negotiate the price of a mango at the bazaar, haggle a sari down 40%, and talk the auntie next door into a better deal on her paratha recipe.
But your mortgage? You shouldn't have to fight for your best rate. We shop 100+ lenders and bring you the lowest rate upfront — no drama, no back-and-forth, no "let me check with my manager."
Legend has it that South Asians negotiated a better price on the very first mango ever sold. We deeply respect this cultural superpower. But here's the thing — mortgage lenders don't respond to haggling the way the sabziwala does.
We've streamlined the process so you can focus on finding your dream home — not drowning in paperwork.
Fill out our short form or call us. No lengthy applications, no stacks of documents upfront. We start with a quick conversation.
Our team searches across 100+ banks, credit unions, and wholesale lenders to find the lowest rate for your exact scenario — H1B, EAD, RSU income, and all.
We present your options clearly — no jargon, no pressure. You see exactly what you'll pay and exactly what you'll save. Then you decide.
We handle the entire closing process. You show up, sign, and get the keys. 🎉 Time to call the parents and tell them you're a homeowner!
Most lenders don't understand the unique financial situations of South Asian immigrants. We've built our expertise around exactly that.
FHA changed its rules, but conventional loans are still available for H1B and EAD borrowers. We know exactly which lenders will approve you and under what terms.
Conventional · Non-QM · JumboNon-Resident Indians and OCI card holders can buy investment property in the US. We specialize in DSCR and foreign national loans for NRI buyers.
DSCR · Foreign National · InvestorFirst-time buyer? Shubh aarambh! We'll walk you through every step — from pre-approval to keys — and make sure your family is proud of the deal you got.
Conventional · FHA · Down Payment AssistAt Google, Amazon, Microsoft or a startup? RSU and bonus income can boost your qualification amount — if your lender knows how to count it. We do.
Jumbo · Conventional · RSU-FriendlyRunning your own business? We have bank statement loans and 1099 programs for self-employed borrowers who can't show traditional W-2 income.
Bank Statement · Non-QM · 1099Buying with parents, in-laws, or multiple family members? Multi-borrower loans can increase your purchasing power. We structure these deals every day.
Multi-Borrower · Jumbo · ConventionalWe're licensed where the largest South Asian communities in America call home.
Unlike big banks that only offer their own rates, we're an independent broker. We search across 100+ wholesale lenders to find your lowest rate — and we're paid the same regardless of which lender you choose.
H1B, EAD, L1, O1, TN, pending green card, I-485, OCI — we've helped borrowers with every immigration status. We know exactly which lenders approve which visa types.
We explain everything in plain English, and if needed, in Hindi, Telugu, Gujarati, or Punjabi. You'll know exactly what you're signing before you sign it.
Using NRE funds or gifts from parents in India for your down payment? We help you document it properly. IRS Form 3520, gift letters, wire documentation — we've done this hundreds of times.
Our pre-approval letters are ready in 24–48 hours. In competitive markets like Dallas, Atlanta, and the Bay Area, speed matters. We help you move fast without cutting corners.
MasalaLoans is powered by Matador Lending — a fully licensed mortgage brokerage (NMLS #1871433) with real licensing and real accountability in TX, FL, GA, and CA.
Deep-dive guides written specifically for desi home buyers — covering H1B mortgages, RSU income, gift funds from India, and much more.
FHA changed the rules. But conventional loans are still fully available for H1B holders. Here's exactly what you need to qualify.
Read Guide →Yes — but it requires specific documentation. We break down IRS Form 3520, NRE account transfers, seasoning requirements, and what your lender needs to see.
Read Guide →Working at a FAANG or startup with RSU vesting? Your RSUs may count toward your qualifying income — but only under specific conditions.
Read Guide →Yes! H1B visa holders can qualify for conventional loans (Fannie Mae/Freddie Mac). You need at least 2 years remaining on your visa, stable employment history, and typically a 620+ credit score. FHA changed their guidelines in 2025, but conventional options remain strong. MasalaLoans specializes in exactly this scenario.
It means we do the rate shopping for you. We shop 100+ wholesale lenders upfront and present you your best available rate immediately — no games, no bait-and-switch. You see all costs, all fees, all options transparently. That's our guarantee.
Yes — but documentation is essential. The funds need to be traceable, with wire transfer records, a gift letter, and sometimes IRS Form 3520 if the gift exceeds $100,000. We help South Asian buyers navigate this process regularly.
Absolutely. EAD card holders with a pending green card (I-485) are eligible for conventional loans. Having an approved I-140 significantly strengthens your application even if the green card itself hasn't been issued yet.
Yes. We offer DSCR and foreign national programs specifically for NRIs and OCI card holders investing in US property in Texas, Florida, Georgia, and California.
Nothing makes a South Asian family happier than a smart financial decision.
"I was on an H1B and everyone told me I couldn't get a good mortgage. MasalaLoans found me a conventional 30-year at a rate better than what my US citizen coworkers got."
"My parents were sending gift money from their NRE account in India. MasalaLoans walked me through every single step. We closed on time with zero issues."
"As an NRI, I thought buying in the US would be a nightmare. MasalaLoans explained DSCR loans, found me a lender in one week, and handled everything remotely."
Whether you're on H1B, EAD, a green card, or just a regular American dreaming of a desi-style home with a puja room — we're here for you.