A&D Mortgage is the leader in working with people abroad that want to buy or refinance their property that is located in the United States. ADM’s focus is to make sure that any borrower who comes through our door has an option to finance. Our Foreign National program is a flexible alternative documentation program with realistic guidelines to help more borrowers qualify.


  • Borrowers home ownership, in home country is required. Homeownership in Foreign Country will be accepted from a CPA or local government entity

  • Foreign National borrowers who have been self-employed for at least 2 years are allowed.

  • A Qualifying Foreign Credit borrower may or may not have a U.S. credit report with no credit score, a single score, or a score with insufficient tradelines. A&D will accept one bank reference or one credit reference letters.

  • Foreign National borrowers only need 12 months PITIA reserves for the subject property. Assets held in foreign accounts are eligible for reserves.

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