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Phone: (866) 268-4422

Local: (602) 268-4422

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May 18, 2026

The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025.
 
FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 
   1. US taxpayers were funding homes for non-citizens.
   2. US citizens were competing to purchase homes at a disadvantage.
        a. The non-citizen did not have to contribute a down payment to purchase a home.
        b. The citizen had to contribute a 10-20% down payment typically to purchase the same home.
 
This drove up housing prices, particularly in areas with high numbers of H-1B visa holders.
 
 
One of the best index (growth) annuity products has become available in my 27 year career!
 
   - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years.
   - No downside market risk. Principle is guaranteed.
   - Once gains are locked in, gains are also guaranteed against market loss.
   - Can lock in gains at any time.
   - A+ rated company.
 
Contact Ferenc for more info:
             ferenc@yourpersonalbank.com
             yourpersonalbank.com
             866-268-4422