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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:

  • 70% LTV
  • Loans up to $2 mm
  • Cash-out permitted
  • DSCR ≥ 0.75
  • 65% LTV
  • CPA Letter or EMP. Letter
  • 1 Credit Ref, 1 Bank Ref
  • Gifts are permitted
  • Reserves overseas allowed

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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2Y CPA P&L

- 2Y P&L prepared by CPA or Enrolled Tax Agent or Licensed Tax Preparer
- 80% LTV
- 599 FICO
- DTI 50%
- Cash out up to 70% LTV

Non Permanent Resident

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

Prime Jumbo

- 2Y Full Documentation
- Loan Amount up to $3 mm
- Max Cash in hand $500,000
- 80% LTV
- FICO 700
- Primary residence, Second home & Investment
- Cash-out allowed up to 80 % LTV
- 30 Year Fixed

Full Doc NQM

- Traditional Income Docs
- Loan amount up to $3mm
- 90% LTV
- 599 FICO
- Condo 80% LTV
- Cash out up to 70% LTV
- Super Prime & Prime Access Programs
- Dropped Super Prime up to 0.25%
- Prime is now 2.125% lower
- DSCR reduced 0.5 across the board