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Foreign National Full Doc

No Score or FICO 660 Up to 75% CLTV

Our Full Doc Foreign National mortgage program is designed for individuals living abroad who are interested in purchasing or refinancing investment property or second home in the US. This program features a flexible and efficient alternative documentation process and realistic guidelines, which makes it easier for foreign borrowers to qualify for a loan and ensures a smooth and hassle-free experience.

Program features
  • Loan amounts up to $3 million
  • Overseas assets allowed as reserves
  • Cash-out allowed
  • One bank reference letter
  • CPA Letter for the last 2 years & year-to-date
Why choose our Foreign National Full Doc?
  • Homeownership outside the US is allowed
  • Gift funds allowed
  • RON closing
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Program details

Loan amounts up to $3 million
Overseas assets allowed
RON allowed
Cash-out allowed 
Up to 43% DTI
Up to 75% СLTV purchase / Up to 70% СLTV cash-out
For I/O, Min. FICO 680 or no FICO
48 months out of credit event
Investment properties
Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700
Letter from a foreign CPA providing income for the last 2 years and YTD earnings required
12 months of reserves required 
Gift funds allowed (borrower contribution required — 10%) for down payment, closing cost, and reserves 
Mortgage history: 0x30x12 and 0x90x24
Eligible assets are required to be held in U.S. or Canadian financial institutions
Eligible property types: SFR, townhomes, condo warrantable/non-warrantable (limited review), condotel, 2-4 units, PUD, SFR rural, short-term rentals, leasehold
Various fixed terms, 5/6 & 7/6 ARM terms
Interest only: 5/6 ARM, 30-year fixed, 40-year fixed. 120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period
Eligible citizenship: Foreign National
Eligible borrowers: Individuals, LLCs/Corp without a hit 
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Fast turnaround times

As fast as

24 hr

Disclosure

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As fast as

24 hr

Underwriting

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As fast as

48 hr

Closing

Foreign National Full Doc FAQ

Can a Foreign National purchase property in the US?

Yes. A&D offers solutions for investment properties only, like Foreign National mortgage. Foreign Nationals can qualify with documentation for the income generated in their residence country OR just with the cash flow from the subject property.