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AD Mortgage

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 620
  • Up to 70% CLTV
  • Loan amounts up to $2 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 allowe

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Other Programs

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1Y + 2Y P&L ONLY

- 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

Non Permanent Resident

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

Full Doc Non-QM

- 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

12/24 Months Bank Statements

- 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