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Non Permanent Resident

A&D Mortgage specializes in financing for a non-U.S. citizen authorized to live and work in the U.S. on a temporary basis. With our Non-Permanent Resident Alien programs, we have the flexibility to qualify the borrower for the following.

Program highlights:

  • 70% LTV
  • 660 Credit Score
  • Bank Statements 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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Foreign Nationals

- 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
- Gift Funds allowed
- Overseas Assets allowed as Reserves


- No Income, No Employment
- 80% LTV
- FICO 599
- DSCR as low as 0
- 30 Year Fixed, 5/1 ARM, 7/1ARM
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- Cash out proceeds may be used for Reserves

Prime Jumbo

- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU

Full Doc NQM

- Traditional Income
- Loan Amount up to
- Max Cash in hand
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime