New Ways to Get Ahead on Foreign National Loans 

Working with Foreign National borrowers comes with its own set of challenges. AD Mortgage is changing that. We are continuously expanding our Foreign National programs so that our partners have more tools and flexibility to close the deals. Today, that means two new enhancements that open doors for borrower profiles that were previously difficult or even impossible to qualify. 

Offer Highlights 

• Foreign Nationals can now finance a Second Home, and not just investment properties 
• Asset Utilization income is now accepted for Foreign National borrowers with qualifying U.S. or Canadian assets 
• Both enhancements are available across AD Mortgage’s Foreign National loan programs 

Best Partner Fit 

These enhancements bring new opportunities for borrower profiles that were previously impossible to approve. Check if any of your current clients just became easier to qualify: 

The International Second Home Buyer

A foreign national client who earns documented income abroad and wants to purchase a vacation or lifestyle property in the U.S. – not to rent out, but to use personally. Previously, only investment properties were eligible. Now, Second Home occupancy unlocks this scenario.  

This naturally fits the needs of high-earning professionals or business owners from Canada, Latin America, or Europe who visit the U.S. regularly and want a place to call their own. 

The Asset-Rich, Income-Light Foreign National

A foreign national with substantial assets held at a U.S. or Canadian financial institution, but whose foreign income is difficult to document or simply insufficient on paper. Asset Utilization allows these assets to serve as a qualifying income source, with no CPA letter needed for the income piece.  

A strong fit for retirees, investors, or HNW (high-net-worth) individuals who are cash-rich but show limited traditional income. 

If either of these matches a current or prospective client, our Foreign National Asset Utilization Program is now ready to support the deal. And if you are not an AD Mortgage partner yet, maybe it’s time to change that to get the most for your clients. 

BECOME A PARTNER 

More Ways to Finance U.S. Property as a Foreign National 

AD Mortgage offers loan options for Foreign National borrowers beyond these enhancements. Whether your client is purchasing an investment property based on rental income or has fully documented foreign income, there is a program built for that scenario: 

• Foreign National Full Doc – for borrowers with documented foreign income 
• Foreign National DSCR – for investment property purchases qualified on property cash flow, no personal income required 

How to Get Started 

Submit your Foreign National scenario via the Scenario Request Form and our team will help identify the right fit. 

SUBMIT A SCENARIO NOW