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% CLTV
- 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
- Cryptocurrencies accepted for reserves, down payments and closing costs
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Other Programs
1Y + 2Y P&L ONLY
- FICO 580
- Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
- Max DTI 55%
- Loan amounts up to $4 million
- Max cash in 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
Non Permanent Resident
- FICO 660
- Up to 90% CLTV
- Bank statements allowed
- Cryptocurrencies accepted for reserves, down payments and closing costs
Full Doc Non-QM
- FICO 580
- 90% CLTV
- Loan amounts up to $4 million
- Max cash in 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 90% CLTV
- Condotels up to 70% CLTV
- NY up to 90% CLTV
- Cryptocurrencies accepted for reserves, down payments and closing costs
12/24 Months Bank Statements
- FICO 580
- Up to 90% CLTV
- Loan amounts up to $4 million
- Max cash in hand $1 million, no limit for CLTV < 55%
- 3 months reserves
- Cryptocurrencies accepted for reserves, down payments and closing costs
- 12 months from bankruptcy or foreclosure
- Mortgage history 0 x 60 x 12
- Combination of business and personal bank statements allowed
- Condo and condotels allowed