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Foreign Nationals

A&D Mortgage is a leader in working with people abroad who want to buy or refinance their property located in the United States. Our Foreign National program has a flexible, alternative documentation process with realistic guidelines which helps more borrowers to qualify.

At A&D, our primary focus is to make sure that any borrower who comes through our door has an option to receive financing.

Program highlights:

  • No score or FICO 599
  • Up to 80% LTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR as low as 0
  • CPA Letter for last 2 years & year-to-date
  • One bank reference letter
  • Overseas assets allowed as reserves
  • Gift funds allowed

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Other Programs

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1Y + 2Y P&L ONLY

- FICO 580
- Up to 85% LTV
- Max DTI 55%
- Loan amounts up to $4 million
- Max cash in hand $1 million, no limit LTV < 55%
- P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No bank statement required
- Super Prime & Prime programs

Non Permanent Resident

- FICO 660
- Up to 90% LTV
- Bank statements allowed

Freddie Mac Refi Possible

- Designed for lower-income families
- Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
- Lowers interest rate by 0.5% and monthly payment by at least $50
- FICO 620
- Up to 97% LTV
- Income at or below 80% of the area median income (AMI)
- Maximum DTI 65%
- Borrower will receive $500 credit at closing if they have an existing appraisal
- Roll up to $5,000 in closing costs for those with limited cash to close. Cash-out limited to $250
- Reduced documentation requirements

Fannie Mae Refi Now

- Designed for lower-income families
- Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
- Lowers interest rate by 0.5% and monthly payment by at least $50
- FICO 620
- Up to 97% LTV
- Income at or below 80% of the area median income (AMI)
- Maximum DTI 65%
- Borrower will receive $500 credit at closing if they have an existing appraisal
- Roll up to $5000 in closing costs for those with limited cash to close. Cash-out limited to $250
- Reduced documentation requirements