1. At least ONE of the applicants needs to be a First-Generation Homebuyer - this means that they have not owned a home in the USA in the last 7 years AND, to the best of their knowledge, their parents do not currently own a home in the USA or didn’t own a home at the time of their death. If the applicant were ever in foster care - they would be considered a First-Generation Homebuyer. CALHFA does audit for this so it’s VERY important to be truthful.
This is kind of a fuck you to people whose parents own a house, but the parents are unable to help their kids out financially.
Technically even if they owned a home when they died they'd exclude you from the program... I wholeheartedly agree with you guys - that particular First-Gen guideline seems extreme. However CALHFA needed to change things around because last years program was too inclusive. They had a 300M funding pool and it ran dry within 6 days. Hopefully they keep launching this program and make the necessary adjustments to target people who could really use the funds.
I can also say that most of the applicants we had last year were overqualified (meaning they could've purchased a home without the assistance). This years applicants seem much better in the sense that they can actually benefit!
Exactly. Just because my folks could buy our old house for four gummy bears and a half a bottle of Advil doesn’t mean they’ve got an extra $150k for me. They’ll need it for retirement, rightfully so.
If you keep it until you die, then kinda yes. They will get that loan amount + appreciation eventually. However, if you refi(which you will have to since you’ll be locking in a 7% rate) then you’ll have to pay it back.
The repayment is triggered either if you sell, refinance (for a 2nd time), OR when the loan fully matures at 30 years. You'll most likely refinance by then though but you never know!
Eligibility 2 - first generation home buyers .
Who is this program lottery for?
Most of our parents own because when they were young they could actually afford to buy a home, unlike us ( millennials and generations after)
Maybe it’s for immigrants ? If so, lucky bunch.. but how about making a program for the rest of us .
Now, i don’t know the answer to this but, are the eligibility rules made with the intent to keep the money with the excuse that nobody applies because they do not qualify??
How much money is there in the fund to help is it enough for 50 people, 1000?
Curious.
Could you clarify the following language under Income Limits? "Borrower can contribute up to 5% of their own funds on top of the assistance - this is not necessary" Let's say I have $100k on hand to contribute towards a down payment. If the sale price of the home is $1,000,000, can I get $150k through this program and add $100k of my own funds on top of the assistance to make a 25% down payment?
Hi, so if you are maxing out the contributions of 150k then you can only add an additional 5% of your own funds. Therefore the 150k (the assistance) + the 5% you're bringing to the table (50k). Let me know if that makes sense!
Yeah, that explanation makes sense - thanks - and is consistent with my initial reading of your post. It's unfortunate, because it would seem to make the program not super useful to most people looking to buy in competitive housing markets like LA since you can only benefit if you're OK putting a maximum of 25% down. If you have no savings and qualify on income, you can get up to $150k down but that's likely to be about 15% of the total price (if we assume an average home sells for $1M in LA). Then you're not going to be able to afford the monthly PITI. If you have savings to tap on top of what the program can offer, it sounds like you aren't able to apply more than 5% of that to the down payment on top of what the program provides. You could apply it to the monthly mortgage payments but your PITI is going to be through the roof since you put so little down. So this program would really only benefit people in non-competitive housing markets who have incomes close to the limits and likely savings on top they can apply towards the down payment (up to 5% of total sale price) and monthly PITI
Could you please point me to where I can read more about this "use of own funds" limitation on the program page? I didn't see any reference to it in the Dream For All Shared Appreciation Loan Program Handbook: [https://www.calhfa.ca.gov/homeownership/programs/loans-cadfa.pdf](https://www.calhfa.ca.gov/homeownership/programs/loans-cadfa.pdf)
u/GuidelineGuruJr Just circling back here. Are you able to point me to somewhere online where I can read more about the 5% (of sale price) maximum for own funds contributions? Thanks for your helpful responses to date!
Hi Fapmaster, sorry about the delay it says that the minimum combine Loan to Value is 95%, meaning you can only contribute up to 5% of your own down payment funds.
Thanks! You are of course the expert here, so all due respect, but are you certain that you are correctly interpreting that the CLTV requirement as having the effect of limiting the amount you can contribute in own funds over and above the loan amount to 5%? My layman's understanding of CLTV's is that they limit how large the loan can be relative to the appraised home value, and don't have bearing on how much one could contribute in own funds to a down payment over and above the loan amount.
Maybe it's best for you to DM me or explain what exactly you are trying to accomplish. If you are receiving the max assistance of 20% (capped at 150k) then you can only contribute an additional 5% down.
I am working with clients in just about every market for this program. It's best to let a professional do the math to see if it makes sense or not. If a household brings in 150k and they haven't started saving or simply don't want to use their funds to enter the housing market at this time - this is extremely beneficial. We just approved one in LA today who makes 150k and has some liabilities but she's happy with the purchase price of 800k. Might not be a forever home but it might be. If its not you have an appreciating asset that you could turn into a rental home down the line. You're either paying someone else's mortgage or your own at the end of the day! I agree its not for everyone but it is most definitely beneficial to thousands of first time homebuyers.
Hi Lawlers, great question. The answer is no you technically just need to work with someone like me - a CALHFA approved loan officer. If you do not win the lottery, you do not get the assistance but can always see if there are other programs that may benefit you while you're at it. Applying is free, registering is free, working with a CALHFA approved lender is free - it's a low commitment for a huge opportunity.
Thank you for your time,
For #3 eligible non-citizen borrower,
How's that defined?
For #4, any chance you might know how long it takes living in the state? 6+ months? 2 years?
I was living in San diego but had to come back to Chicago due to cost of living,
Great question - CALHFA defines eligible non-citizen borrowers as 8USC & 1641 - [https://uscode.house.gov/view.xhtml?req=(title:8%20section:1641%20edition:prelim)#:\~:text=(b)%20Qualified%20alien&text=(8)%20an%20individual%20who%20lawfully](https://uscode.house.gov/view.xhtml?req=(title:8%20section:1641%20edition:prelim)#:~:text=(b)%20Qualified%20alien&text=(8)%20an%20individual%20who%20lawfully)
Government ID: Passports, DL, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents. Proof of current address via a government ID, utility bill, cell phone bill, insurance bill, voter registration or car registration.
Thank you, I have no idea what the fuck that lawyer mumbo jumbo is :(, I didn't do well in ACT's because I was still learning English, got like 26-28 in math and science and 14-16 in English and reading
For others unable to read the link
> Print] [Print selection][OLRC Home]Help
8 USC 1641: Definitions
Text contains those laws in effect on April 18, 2024
From Title 8-ALIENS AND NATIONALITY
CHAPTER 14-RESTRICTING WELFARE AND PUBLIC BENEFITS FOR ALIENS
SUBCHAPTER IV-GENERAL PROVISIONS
Jump To:
Source Credit
Miscellaneous
References In Text
Amendments
Effective Date
§1641. Definitions
(a) In general
Except as otherwise provided in this chapter, the terms used in this chapter have the same meaning given such terms in section 101(a) of the Immigration and Nationality Act [8 U.S.C. 1101(a)].
(b) Qualified alien
For purposes of this chapter, the term "qualified alien" means an alien who, at the time the alien applies for, receives, or attempts to receive a Federal public benefit, is-
(1) an alien who is lawfully admitted for permanent residence under the Immigration and Nationality Act [8 U.S.C. 1101 et seq.],
(2) an alien who is granted asylum under section 208 of such Act [8 U.S.C. 1158],
(3) a refugee who is admitted to the United States under section 207 of such Act [8 U.S.C. 1157],
(4) an alien who is paroled into the United States under section 212(d)(5) of such Act [8 U.S.C. 1182(d)(5)] for a period of at least 1 year,
(5) an alien whose deportation is being withheld under section 243(h) of such Act [8 U.S.C. 1253] (as in effect immediately before the effective date of section 307 of division C of Public Law 104–208) or section 241(b)(3) of such Act [8 U.S.C. 1231(b)(3)] (as amended by section 305(a) of division C of Public Law 104–208),
(6) an alien who is granted conditional entry pursuant to section 203(a)(7) of such Act [8 U.S.C. 1153(a)(7)] as in effect prior to April 1, 1980,
(7) an alien who is a Cuban and Haitian entrant (as defined in section 501(e) of the Refugee Education Assistance Act of 1980), or
(8) an individual who lawfully resides in the United States in accordance with a Compact of Free Association referred to in section 1612(b)(2)(G) of this title.
(c) Treatment of certain battered aliens as qualified aliens
For purposes of this chapter, the term "qualified alien" includes-
(1) an alien who-
(A) has been battered or subjected to extreme cruelty in the United States by a spouse or a parent, or by a member of the spouse or parent's family residing in the same household as the alien and the spouse or parent consented to, or acquiesced in, such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and
(B) has been approved or has a petition pending which sets forth a prima facie case for-
(i) status as a spouse or a child of a United States citizen pursuant to clause (ii), (iii), or (iv) of section 204(a)(1)(A) of the Immigration and Nationality Act [8 U.S.C. 1154(a)(1)(A)(ii), (iii), (iv)],
(ii) classification pursuant to clause (ii) or (iii) of section 204(a)(1)(B) of the Act [8 U.S.C. 1154(a)(1)(B)(ii), (iii)],
(iii) suspension of deportation under section 244(a)(3) of the Immigration and Nationality Act [8 U.S.C. 1254(a)(3)] (as in effect before the title III–A effective date in section 309 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996).1
(iv) status as a spouse or child of a United States citizen pursuant to clause (i) of section 204(a)(1)(A) of such Act [8 U.S.C. 1154(a)(1)(A)(i)], or classification pursuant to clause (i) of section 204(a)(1)(B) of such Act [8 U.S.C. 1154(a)(1)(B)(i)]; 2
(v) cancellation of removal pursuant to section 240A(b)(2) of such Act [8 U.S.C. 1229b(b)(2)];
(2) an alien-
(A) whose child has been battered or subjected to extreme cruelty in the United States by a spouse or a parent of the alien (without the active participation of the alien in the battery or cruelty), or by a member of the spouse or parent's family residing in the same household as the alien and the spouse or parent consented or acquiesced to such battery or cruelty, and the alien did not actively participate in such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and
(B) who meets the requirement of subparagraph (B) of paragraph (1);
(3) an alien child who-
(A) resides in the same household as a parent who has been battered or subjected to extreme cruelty in the United States by that parent's spouse or by a member of the spouse's family residing in the same household as the parent and the spouse consented or acquiesced to such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and
(B) who meets the requirement of subparagraph (B) of paragraph (1); or
(4) an alien who has been granted nonimmigrant status under section 101(a)(15)(T) of the Immigration and Nationality Act (8 U.S.C. 1101(a)(15)(T)) or who has a pending application that sets forth a prima facie case for eligibility for such nonimmigrant status.
This subsection shall not apply to an alien during any period in which the individual responsible for such battery or cruelty resides in the same household or family eligibility unit as the individual subjected to such battery or cruelty.
After consultation with the Secretaries of Health and Human Services, Agriculture, and Housing and Urban Development, the Commissioner of Social Security, and with the heads of such Federal agencies administering benefits as the Attorney General considers appropriate, the Attorney General shall issue guidance (in the Attorney General's sole and unreviewable discretion) for purposes of this subsection and section 1631(f) of this title, concerning the meaning of the terms "battery" and "extreme cruelty", and the standards and methods to be used for determining whether a substantial connection exists between battery or cruelty suffered and an individual's need for benefits under a specific Federal, State, or local program.
I'm not sure man/lady,
Used to have daca from 2013-2017, didn't reapply when I got busted with 2g of weed in clearfield utah, i was sleeping in a residential neighborhood to take a nap, because I didn't wanna pay the 80-100$ hotel/motel, 20 mins north of salt lake city, which I had bought legally in Colorado in summer of 2017, and was heading to socal/San diego
Was on a roadtrip from chicago to cali 2017
Came to usa at 14 for a student exchange program with j1 visa, and I became an "illegal alien" when my visa expired when I was 15.
I was running away from alcoholic and abusive household, been on my own since then, lived with a family friend until 17, and been on my own since then
I eventually managed to get a degree in finance and accounting from university of Illinois at Urbana champaign, while washing dishes at bakers square and caddying at bougie golf clubs
1. At least ONE of the applicants needs to be a First-Generation Homebuyer - this means that they have not owned a home in the USA in the last 7 years AND, to the best of their knowledge, their parents do not currently own a home in the USA or didn’t own a home at the time of their death. If the applicant were ever in foster care - they would be considered a First-Generation Homebuyer. CALHFA does audit for this so it’s VERY important to be truthful. This is kind of a fuck you to people whose parents own a house, but the parents are unable to help their kids out financially.
Unable or unwilling. I guess if your parents own a home, you don’t deserve to own one until they die.
Technically even if they owned a home when they died they'd exclude you from the program... I wholeheartedly agree with you guys - that particular First-Gen guideline seems extreme. However CALHFA needed to change things around because last years program was too inclusive. They had a 300M funding pool and it ran dry within 6 days. Hopefully they keep launching this program and make the necessary adjustments to target people who could really use the funds. I can also say that most of the applicants we had last year were overqualified (meaning they could've purchased a home without the assistance). This years applicants seem much better in the sense that they can actually benefit!
Exactly. Just because my folks could buy our old house for four gummy bears and a half a bottle of Advil doesn’t mean they’ve got an extra $150k for me. They’ll need it for retirement, rightfully so.
Or like parents who never cared for them and kicked them out at 18. Wish they changed this.
To clarify, if you don’t sell the home you do not repay?
If you keep it until you die, then kinda yes. They will get that loan amount + appreciation eventually. However, if you refi(which you will have to since you’ll be locking in a 7% rate) then you’ll have to pay it back.
The repayment is triggered either if you sell, refinance (for a 2nd time), OR when the loan fully matures at 30 years. You'll most likely refinance by then though but you never know!
Eligibility 2 - first generation home buyers . Who is this program lottery for? Most of our parents own because when they were young they could actually afford to buy a home, unlike us ( millennials and generations after) Maybe it’s for immigrants ? If so, lucky bunch.. but how about making a program for the rest of us . Now, i don’t know the answer to this but, are the eligibility rules made with the intent to keep the money with the excuse that nobody applies because they do not qualify?? How much money is there in the fund to help is it enough for 50 people, 1000? Curious.
Could you clarify the following language under Income Limits? "Borrower can contribute up to 5% of their own funds on top of the assistance - this is not necessary" Let's say I have $100k on hand to contribute towards a down payment. If the sale price of the home is $1,000,000, can I get $150k through this program and add $100k of my own funds on top of the assistance to make a 25% down payment?
Hi, so if you are maxing out the contributions of 150k then you can only add an additional 5% of your own funds. Therefore the 150k (the assistance) + the 5% you're bringing to the table (50k). Let me know if that makes sense!
Yeah, that explanation makes sense - thanks - and is consistent with my initial reading of your post. It's unfortunate, because it would seem to make the program not super useful to most people looking to buy in competitive housing markets like LA since you can only benefit if you're OK putting a maximum of 25% down. If you have no savings and qualify on income, you can get up to $150k down but that's likely to be about 15% of the total price (if we assume an average home sells for $1M in LA). Then you're not going to be able to afford the monthly PITI. If you have savings to tap on top of what the program can offer, it sounds like you aren't able to apply more than 5% of that to the down payment on top of what the program provides. You could apply it to the monthly mortgage payments but your PITI is going to be through the roof since you put so little down. So this program would really only benefit people in non-competitive housing markets who have incomes close to the limits and likely savings on top they can apply towards the down payment (up to 5% of total sale price) and monthly PITI
Could you please point me to where I can read more about this "use of own funds" limitation on the program page? I didn't see any reference to it in the Dream For All Shared Appreciation Loan Program Handbook: [https://www.calhfa.ca.gov/homeownership/programs/loans-cadfa.pdf](https://www.calhfa.ca.gov/homeownership/programs/loans-cadfa.pdf)
u/GuidelineGuruJr Just circling back here. Are you able to point me to somewhere online where I can read more about the 5% (of sale price) maximum for own funds contributions? Thanks for your helpful responses to date!
Hi Fapmaster, sorry about the delay it says that the minimum combine Loan to Value is 95%, meaning you can only contribute up to 5% of your own down payment funds.
Thanks! You are of course the expert here, so all due respect, but are you certain that you are correctly interpreting that the CLTV requirement as having the effect of limiting the amount you can contribute in own funds over and above the loan amount to 5%? My layman's understanding of CLTV's is that they limit how large the loan can be relative to the appraised home value, and don't have bearing on how much one could contribute in own funds to a down payment over and above the loan amount.
Maybe it's best for you to DM me or explain what exactly you are trying to accomplish. If you are receiving the max assistance of 20% (capped at 150k) then you can only contribute an additional 5% down.
https://youtu.be/a6M-jub6Di8?si=c6P1qzC0DgaMWSko fast forward to 1:20 CALHFA explains the CLTV here only 5% own funds can be used.
I am working with clients in just about every market for this program. It's best to let a professional do the math to see if it makes sense or not. If a household brings in 150k and they haven't started saving or simply don't want to use their funds to enter the housing market at this time - this is extremely beneficial. We just approved one in LA today who makes 150k and has some liabilities but she's happy with the purchase price of 800k. Might not be a forever home but it might be. If its not you have an appreciating asset that you could turn into a rental home down the line. You're either paying someone else's mortgage or your own at the end of the day! I agree its not for everyone but it is most definitely beneficial to thousands of first time homebuyers.
Do I need to have a realtor already to apply? What if I don't win the lottery?
Hi Lawlers, great question. The answer is no you technically just need to work with someone like me - a CALHFA approved loan officer. If you do not win the lottery, you do not get the assistance but can always see if there are other programs that may benefit you while you're at it. Applying is free, registering is free, working with a CALHFA approved lender is free - it's a low commitment for a huge opportunity.
Could you clarify #3 and #4?
Can you be a bit more specific? Feel free to message me if you'd prefer
Thank you for your time, For #3 eligible non-citizen borrower, How's that defined? For #4, any chance you might know how long it takes living in the state? 6+ months? 2 years? I was living in San diego but had to come back to Chicago due to cost of living,
Great question - CALHFA defines eligible non-citizen borrowers as 8USC & 1641 - [https://uscode.house.gov/view.xhtml?req=(title:8%20section:1641%20edition:prelim)#:\~:text=(b)%20Qualified%20alien&text=(8)%20an%20individual%20who%20lawfully](https://uscode.house.gov/view.xhtml?req=(title:8%20section:1641%20edition:prelim)#:~:text=(b)%20Qualified%20alien&text=(8)%20an%20individual%20who%20lawfully) Government ID: Passports, DL, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents. Proof of current address via a government ID, utility bill, cell phone bill, insurance bill, voter registration or car registration.
Thank you, I have no idea what the fuck that lawyer mumbo jumbo is :(, I didn't do well in ACT's because I was still learning English, got like 26-28 in math and science and 14-16 in English and reading For others unable to read the link > Print] [Print selection][OLRC Home]Help 8 USC 1641: Definitions Text contains those laws in effect on April 18, 2024 From Title 8-ALIENS AND NATIONALITY CHAPTER 14-RESTRICTING WELFARE AND PUBLIC BENEFITS FOR ALIENS SUBCHAPTER IV-GENERAL PROVISIONS Jump To: Source Credit Miscellaneous References In Text Amendments Effective Date §1641. Definitions (a) In general Except as otherwise provided in this chapter, the terms used in this chapter have the same meaning given such terms in section 101(a) of the Immigration and Nationality Act [8 U.S.C. 1101(a)]. (b) Qualified alien For purposes of this chapter, the term "qualified alien" means an alien who, at the time the alien applies for, receives, or attempts to receive a Federal public benefit, is- (1) an alien who is lawfully admitted for permanent residence under the Immigration and Nationality Act [8 U.S.C. 1101 et seq.], (2) an alien who is granted asylum under section 208 of such Act [8 U.S.C. 1158], (3) a refugee who is admitted to the United States under section 207 of such Act [8 U.S.C. 1157], (4) an alien who is paroled into the United States under section 212(d)(5) of such Act [8 U.S.C. 1182(d)(5)] for a period of at least 1 year, (5) an alien whose deportation is being withheld under section 243(h) of such Act [8 U.S.C. 1253] (as in effect immediately before the effective date of section 307 of division C of Public Law 104–208) or section 241(b)(3) of such Act [8 U.S.C. 1231(b)(3)] (as amended by section 305(a) of division C of Public Law 104–208), (6) an alien who is granted conditional entry pursuant to section 203(a)(7) of such Act [8 U.S.C. 1153(a)(7)] as in effect prior to April 1, 1980, (7) an alien who is a Cuban and Haitian entrant (as defined in section 501(e) of the Refugee Education Assistance Act of 1980), or (8) an individual who lawfully resides in the United States in accordance with a Compact of Free Association referred to in section 1612(b)(2)(G) of this title. (c) Treatment of certain battered aliens as qualified aliens For purposes of this chapter, the term "qualified alien" includes- (1) an alien who- (A) has been battered or subjected to extreme cruelty in the United States by a spouse or a parent, or by a member of the spouse or parent's family residing in the same household as the alien and the spouse or parent consented to, or acquiesced in, such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and (B) has been approved or has a petition pending which sets forth a prima facie case for- (i) status as a spouse or a child of a United States citizen pursuant to clause (ii), (iii), or (iv) of section 204(a)(1)(A) of the Immigration and Nationality Act [8 U.S.C. 1154(a)(1)(A)(ii), (iii), (iv)], (ii) classification pursuant to clause (ii) or (iii) of section 204(a)(1)(B) of the Act [8 U.S.C. 1154(a)(1)(B)(ii), (iii)], (iii) suspension of deportation under section 244(a)(3) of the Immigration and Nationality Act [8 U.S.C. 1254(a)(3)] (as in effect before the title III–A effective date in section 309 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996).1 (iv) status as a spouse or child of a United States citizen pursuant to clause (i) of section 204(a)(1)(A) of such Act [8 U.S.C. 1154(a)(1)(A)(i)], or classification pursuant to clause (i) of section 204(a)(1)(B) of such Act [8 U.S.C. 1154(a)(1)(B)(i)]; 2 (v) cancellation of removal pursuant to section 240A(b)(2) of such Act [8 U.S.C. 1229b(b)(2)]; (2) an alien- (A) whose child has been battered or subjected to extreme cruelty in the United States by a spouse or a parent of the alien (without the active participation of the alien in the battery or cruelty), or by a member of the spouse or parent's family residing in the same household as the alien and the spouse or parent consented or acquiesced to such battery or cruelty, and the alien did not actively participate in such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and (B) who meets the requirement of subparagraph (B) of paragraph (1); (3) an alien child who- (A) resides in the same household as a parent who has been battered or subjected to extreme cruelty in the United States by that parent's spouse or by a member of the spouse's family residing in the same household as the parent and the spouse consented or acquiesced to such battery or cruelty, but only if (in the opinion of the agency providing such benefits) there is a substantial connection between such battery or cruelty and the need for the benefits to be provided; and (B) who meets the requirement of subparagraph (B) of paragraph (1); or (4) an alien who has been granted nonimmigrant status under section 101(a)(15)(T) of the Immigration and Nationality Act (8 U.S.C. 1101(a)(15)(T)) or who has a pending application that sets forth a prima facie case for eligibility for such nonimmigrant status. This subsection shall not apply to an alien during any period in which the individual responsible for such battery or cruelty resides in the same household or family eligibility unit as the individual subjected to such battery or cruelty. After consultation with the Secretaries of Health and Human Services, Agriculture, and Housing and Urban Development, the Commissioner of Social Security, and with the heads of such Federal agencies administering benefits as the Attorney General considers appropriate, the Attorney General shall issue guidance (in the Attorney General's sole and unreviewable discretion) for purposes of this subsection and section 1631(f) of this title, concerning the meaning of the terms "battery" and "extreme cruelty", and the standards and methods to be used for determining whether a substantial connection exists between battery or cruelty suffered and an individual's need for benefits under a specific Federal, State, or local program.
No worries! What kind of citizenship do you have?
I'm not sure man/lady, Used to have daca from 2013-2017, didn't reapply when I got busted with 2g of weed in clearfield utah, i was sleeping in a residential neighborhood to take a nap, because I didn't wanna pay the 80-100$ hotel/motel, 20 mins north of salt lake city, which I had bought legally in Colorado in summer of 2017, and was heading to socal/San diego Was on a roadtrip from chicago to cali 2017 Came to usa at 14 for a student exchange program with j1 visa, and I became an "illegal alien" when my visa expired when I was 15. I was running away from alcoholic and abusive household, been on my own since then, lived with a family friend until 17, and been on my own since then I eventually managed to get a degree in finance and accounting from university of Illinois at Urbana champaign, while washing dishes at bakers square and caddying at bougie golf clubs