For those borrowers looking for a home or a piece of real estate in the United States, our foreign national home loan program is tailored toward those who lack credit history in the U.S. but are looking to purchase a primary residence, second home, or investment property here. This program makes it easier than ever to pre-qualify for a mortgage, regardless of their lack of US credit.

Angel Oak – Foreign National

• Program is for borrowers that live and work outside of the US

Sprout Mortgage – Jumbo Prime (J10)

• DTI up to 50%
• Non-Warrantable/Condotel OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted
• No MI on any product

Sprout Mortgage – Asset Optimizer (A11)

• DTI up to 50%
• Assets do NOT need to be liquidated or tied to the mortgage
• Non-Warrantable/Condotel OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted

Sprout Mortgage – Debt Service Coverage I10

• Investments only
• Non-Warrantable OK
• 3 months reserves up to $1M
• Cash-out can be used to meet reserve requirement
• Gifts OK
• 1x30x12 OK on mortgage
• 1 appraisal up to $1.5M
• Foreign Nationals permitted

Citadel – True Stated Income Foreign National

• MIN loan amount is 100,000
• MAX loan amount is 2,000,000
• MAX 65 LTV on PURCHASE up to 1 million, then 60 LTV up to 1.5 million, then 55 LTV up to 2 million
• MAX 60 LTV on REFINANCE up to 1 million, then 55 LTV up to 1.5 million, then 50 LTV up to 2 million
• Price a Foreign National loan in GRADE A, 700 MID FICO & on the NOO DSCR section
• NO 4506, NO income, NO Tax returns, NO P/L & NO credit report & NO Fico scores
• Foreign National BORROWER MUST live AND work outside THE US
• NO reserves required
• To qualify for the Foreign National DSCR must have a minimum of 1/1 for DSCR