A Guide to Non-QM Lending for Foreign Nationals, ITIN Holders, and Visa Borrowers Ep. 619

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Mike Pearson from AD Mortgage to explore a range of lending opportunities specifically designed for non-U.S. citizens. During their conversation, Mike provides an in-depth breakdown of three key loan types that are available to this unique and often underserved segment of borrowers: foreign national loans, ITIN loans, and non-QM loans for visa holders. Mike takes the time to explain the specific documentation requirements for each loan category, including what types of identification, proof of income, and residency status are needed to qualify. He also discusses typical down payment expectations, highlighting how these may differ from conventional loans, and outlines the loan-to-value (LTV) guidelines that borrowers and loan officers should keep in mind. Throughout the episode, the conversation emphasizes the important point that legally present borrowers who may not meet the criteria for conventional financing still have a variety of viable mortgage options available to them through AD Mortgage. Mike shares practical advice and real-world examples to illustrate how these loan products can help non-U.S. citizens achieve homeownership or invest in real estate within the United States. Additionally, Mike encourages loan officers and realtors to proactively embrace this growing and often overlooked market segment, rather than turning away clients simply because they do not fit the traditional borrower profile. By understanding and utilizing these specialized loan programs, industry professionals can better serve their communities, expand their business, and help more clients realize their dreams of homeownership. Loan officer looking for a new place to call home? 👉 TLOP's Originator Coaching: Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼

You can listen to A Guide to Non-QM Lending for Foreign Nationals, ITIN Holders, and Visa Borrowers Ep. 619 online on Radio and Podcast. Open the player on this page to stream the available audio.

A Guide to Non-QM Lending for Foreign Nationals, ITIN Holders, and Visa Borrowers Ep. 619 is an episode from The Loan Officer Podcast by Dustin Owen.

This episode is 46:53 long.

This episode was published on Apr 20, 2026.

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