AD Mortgage

Foreign Nationals

YES to Foreigners with visas

  • Purchase
  • Investment
  • We specialize in mortgages for people who reside abroad
  • Our process is much more flexible and forgiving than other lenders, making it easier for more people to qualify
  • Our focus is on finding a way to make sure each and every borrower can get financing
  • We have a large portfolio of satisfied customers
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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 allowed

Turnaround Times

24 hours
24 hours
24 hours
24 hours

Easy start

Just 5 simple steps to get this loan program

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Foreign Nationals Frequently Asked Questions

Can a Foreign National purchase property in the US?

Yes. Foreign National loans allow this if borrowers meet the requirements to qualify and can document that they do

Can borrowers use a Foreign National loan to buy a home?

Foreign National loans are intended to be used to purchase homes as investments or vacation homes, not primary residences.

What if borrowers want to purchase a primary residence in the US? They will need to be a US resident and obtain a regular mortgage.

Both permanent and non-permanent US residents may apply for a regular mortgage to purchase a home. They will simply need to be able to present their work permit or green card.

Do applicants need a credit record in the US?

No, borrowers do not need to have a US credit record in order to qualify for a Foreign National loan.

What documents does a Foreign National borrower need to have ready?

Borrowers should get the following documents ready before they apply for a Foreign National loan in the US:

  • A copy of their passport
  • A copy of their unexpired Visa
  • A current credit report
  • Proof of income for the prior 2 years and the current year
  • If self-employed, an accountant’s income letter for the prior 2 years and the current year
  • A copy of their purchase contract


These documents should be translated into English by a certified translator. Having all of these documents gathered before your clients fill out their applications can save you a great deal of time and hassle.

Are there restrictions on who cannot apply for a Foreign National loan?

Yes. The following borrowers are not eligible:

  • Borrowers with diplomatic immunity or otherwise excluded from U.S. jurisdiction.
  • Residents of any country not permitted to transact business with US companies are ineligible (as determined by any U.S. government authority).
  • Irrevocable Trusts or Land Trusts.
  • Borrowers less than 18 years old
Can clients close quickly on the property they want?

Yes, an experienced lender accustomed to working with Foreign National borrowers should be able to close this loan as quickly as a Conventional mortgage. And, because some of the income and credit qualifications are comparatively easier, it might happen even faster.

How high will their interest rate be?

Interest rates are dependent on a variety of factors, but borrowers can expect to have an interest rate that is competitive with those offered to US citizens.

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