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Foreign Nationals

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.

Program highlights:

  • No score or FICO 599
  • 70% LTV
  • Loan Amount up to $2mm
  • Cash out allowed
  • DSCR as low as 0
  • CPA Letter last 2Y & YTD
  • 1 Bank Reference Letter
  • Gift Funds allowed
  • Overseas Assets allowed as Reserves

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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1Y + 2Y CPA P&L

- 1Y P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- 75% LTV
- FICO 580
- Super Prime & Prime Programs

Non Permanent Resident

- 70% LTV
- 660 Credit Score
- Bank Statements Allowed

Prime Jumbo

- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU

Full Doc NQM

- Traditional Income
- Loan Amount up to
- Max Cash in hand
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime