Can a Foreign National purchase property in the US?

Yes. AD Mortgage offers solutions for investment properties, such as the Foreign National Full Doc mortgage. Foreign Nationals can qualify with documentation for income generated in their country of residence or with the cash flow from the subject property.

Can borrowers use a Foreign National mortgage to buy a home?

Foreign National mortgage loans are intended to be used to purchase homes as investments, not primary residences.

What if Foreign National mortgage borrowers want to purchase a primary residence in the US?

They will need to be a US resident and obtain a regular mortgage.

Can I apply for the Foreign National Full Doc program if I don't have a visa?

No, the borrower must have an active visa as of the note date or be legally present in the U.S.

Programs Non-QM Loans

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

Download program PDF

Download

Struggling with a loan scenario? Push the button and get a solution in 30 minutes!

Submit a Scenario

Program request

Write to us, we will contact you within 30 minutes.

Name *

Fill out this field

Company Name *

Fill out this field

Company NMLS (optional)

Fill out this field

Company State *

Fill out this field

Phone *

Fill out this field

Email *

Fill out this field

Inquire *

Fill out this field

I consent to receive marketing calls and texts from A&D Mortgage LLC using automated technology. Consent is not a condition of purchase.

I accept the privacy policy Please, accept the privacy policy

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Oops...

Something went wrong.

Thank you!

We’ll contact you as soon as possible

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

Fast turnaround times

As fast as

24 hr

Disclosure

As fast as

24 hr

Underwriting

As fast as

48 hr

Foreign National Full Doc

Download program PDF

Program request

Oops...

Thank you!

Program details

Calculate Your Scenario

Fast turnaround times

Disclosure

Underwriting

Closing

Ready to get started?

#Yes to foreign-investors

Foreign National DSCR

Foreign National Full Doc