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Foreign National
Credit
Max LTV 75%
FICO N/A
Loam Amount
Minimum  $                                                       100,000
Maximum  $                                                   1,500,000
Debt Ratios
Max DTI 50%/N/A
Enhanced DTI (to 50%) N/A
Enhanced DTI (to 55%) N/A
Income Documentation
Full Doc
Asset Depletion
24 Month Personal Statements Not Allowed
24 Month Business Statements Not Allowed
1 Year Alt Doc Not Allowed
12 Mo Personal Bank Statements Not Allowed
Product Type
5/1 ARM
7/1 ARM
30 Year Fixed
Interest Only
Mortgage History 1x30x12
Bankruptcy Seasoning 24 months
FC/SS/DIL Seasoning 24 months
Residual Income N/A
Marketing Points Borrowers from other parts of the world looking to buy or refinance in the U.S.
Includes 2nd Home & Investment Property Occupancy Options
Best for:
• Foreign clients with a valid passport and an unexpired Visa.
• Visa types accepted: B-1, B-2, H-2, H-3, J-1, J-2, O-2, P-1, P-2 and I
• 3/1, 5/1 and 10/1 ARM options
• SFR, Condo, Non-Warrantable Condo, 2-4 Units
Operation Points Scenario Desk:

https://www.nonqmscenario.com/login

Product Pricing Tool: https://deephavencorrespondent.pricerone.com

/NewScenario_Anonymous?CompanyID=122

Deep Haven:

Heather Carrico
Direct: 704.885.5064
Email:[email protected]

Nations Non-QM
Coordinator:

Patricia Lantz
337-412-7096
[email protected]

Deep Haven Scenario Desk:

704-628-4109
[email protected]

Nations Scenario Desk:

Susanna Carouthers
Direct: 330-338-7785
[email protected]

Non-QM
instructions

Product
Matrices

Income Calculation
worksheet

Alternative Loan
Analysis Form

Exception Request
Form

HOA Certification
Form

Non Delegated Underwriter
Submission Form

Foreign National Flyer

Training
Video

Identify Scenario
Calculator

Sharepoint

Thanks!

Let's talk! 800-459-7512