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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
  • Overseas Assets allowed as Reserves
  • Gift Funds 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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1Y + 2Y P&L ONLY

- FICO 580
- Up to 85% LTV
- Max DTI 55%
- Loan Amount up to $4mm
- Max Cash in hand $1,000,000, no limit for LTV <55%
- P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Super Prime & Prime Programs

Non Permanent Resident

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

Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed