Answer:  individuals based on race, color, age, religion or national origin.  Stature and mode of dress cannot be a reason to deny a home loan.

The mortgage guidelines require that our small, cloverleaf carrying friends from Ireland establish residency with an approved work visa. The type of documentation has changed, so be sure to check with the bank or lender on what they will allow.  He must also build a good credit history that spans two years.   Student Visas for those attending Shamrock weaving classes or getting their M.B.A.’s (master of beer and annoyance) are not considered adequate documentation for mortgage financing.

Unfortunately a pot of gold cannot be used for the down payment or closing costs unless it has been in a bank and seasoned for over 60 days.  “At the end of the rainbow” is not an appropriate paper trail.

Work history is important. If Leprechauns follow the tradition of conducting mischief for profit, they will need a two year income history disclosed on American tax returns.  The “now you see it and now you don’t” excuse will not be accepted by today’s underwriters.

It’s not easy being green or in real estate.   And that is why we have Guinness.

FYI:  A green card or permanent residence extends all of the same benefits as a U.S. citizen when financing homes.

Diane Gerdes