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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

- 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

DSCR

- No Income, No EMP. on 1003
- 80% LTV
- FICO 599
- DSCR ≥ 0.75
- 30 Year Fixed
- Loans up to $2 mm
- Max Cash in hand $1,000,000
- Cash-out proceeds may be used for Reserves

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