Incomplete Mortgage Payment Records — I-526E Approved One Week After the RFE Response

Ms. L.'s mortgage payment records were hard to assemble in full, and her EB-5 petition received a Request for Evidence. Our team built the response from the evidence that could still be obtained and made the case for the source of funds. On October 21, 2026, one week after the RFE response was filed, Ms. L.'s I-526E was approved.

Timeline

• February 17, 2023: I-526E filed
• July 10, 2026: RFE received
• October 14, 2026: RFE response filed
• October 16, 2026: RFE response deadline
• October 21, 2026: I-526E approval notice received

Client background

Ms. L.'s EB-5 investment came from a loan secured by her home, and the home itself had been bought mainly with her and her husband's employment income. The initial filing already included the relevant pay and tax records. USCIS nonetheless asked for the detailed records of the mortgage payments, to verify where that money had come from.

The challenge

The funds ran through several accounts, and the mortgage payment history was hard to put together completely. Over the years Ms. L. and her husband had made a range of financial arrangements, the money was spread across different accounts, and assembling every monthly payment one by one was not realistic. We had to answer USCIS's questions with the documents that existed, and explain why a complete record could not be obtained.

Strategy

Working within those limits, we re-examined the available evidence, used sample payment records, and added evidence of the client's standing in her industry and her employment history to support the lawful source of funds.

The response was organized around the mortgage questions USCIS had raised. It showed how the existing documents connected to one another and explained the limits of the record, so the officer could assess the source of funds on the evidence as a whole.

The case shows again that an experienced attorney can find the evidence that matters even when key documents are missing, and can lead the officer to review the case along a clear line of reasoning.

Result

We filed the RFE response on October 14, 2026. Just one week later, Ms. L.'s I-526E was approved.

From a mortgage history that could not be assembled in full to an answer built on the existing records and background evidence, we found a clear way to explain a complicated source of funds.

Current policy applies stricter standards than before to the source of funds and to applicants' backgrounds, and our team has extensive experience with EB-5 petitions and with RFE and NOID responses in difficult cases. If you are considering EB-5, please contact us. We will look at your family's finances, your existing documents, and your plans for moving to the U.S., assess your source of funds, prepare your petition, and support you through the whole process.