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.
- FICO 600
- Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
- Max DTI 55%
- Loan amounts up to $3 million
- Max cash-on-hand $1 million, no limit CLTV < 55%
- P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No bank statement required
- Super Prime & Prime programs
- FICO 660
- Up to 90% CLTV
- Bank statements allowed
- FICO 600
- 85% CLTV
- Loan amounts up to $3 million
- Max cash-on-hand $1 million, no limit for LTV < 55%
- DTI up to 55%
- 30 & 40 Year Fixed, 5/6 ARM & 7/6 ARM
- Traditional income
- 2-year credit event allowed
- Super Prime & Prime Programs
- Condo up to 85% CLTV
- Condotels up to 70% CLTV
- NY up to 85% CLTV
- FICO 600
- Up to 85% CLTV
- Loan amounts up to $3 million
- Max cash-on-hand $1 million, no limit for CLTV < 55%
- 30 & 40 Year Fixed, 5/6 & 7/6 ARM
- 3 months reserves
- 12 months from bankruptcy or foreclosure
- Mortgage history 0 x 60 x 12
- Condos up to 85% CLTV
- Combination of business and personal bank statements allowed
- Condo and condotels allowed