Expatriate Visa Program

Exceptional Service for Your Expatriate Clients

Our Expatriate program is designed for professionals with limited or no credit whom are either coming to the U.S. or are currently living in the U.S. with a work visa or other employment authorization. Our unique solutions provide fast pre-approvals and quick turn-times for borrowers while helping you navigate the loan process. Let Advancial help you earn a customer for life by delivering exceptional service on your borrower’s first home purchase in the U.S.

Designed for professionals entering the U.S. with a valid work authorization and for U.S. Citizens living and working abroad1
Only an offer letter is needed for pre-approval
No U.S. credit required
Max LTV 80% for new immigrants to the U.S.
Max 70% LTV for U.S. Citizens living abroad (2nd Home)
Loan amounts up to $5MM (LTV limits)

Program Details
Lending Area	Available in all 50 states
Designed For	Professionals entering the U.S. with a work visa or other employment authorization¹
SSN Requirement	Required by closing date
Credit	No U.S. or foreign credit reports required, no foreign VOR, no foreign VOM and no alternate trade-lines required
Loan Sizes	Up to $5MM allowed with no LTV reduction
LTV	80% LTV to $2MM on SFR² Up to 70% LTV for U.S. citizens living abroad who are purchasing property in the U.S.
Foreign Assets	Considered for reserves and down payments
Gifted down payment / Gifted Reserves / Gift of Equity	Yes
Pre-qualification	Pre-qualification using an offer letter permitted; first pay stub required for funding
1 U.S. citizens working abroad for foreign companies may be considered on an exception basis if U.S. tax returns have been filed showing the foreign income. 2 SFR, Condo, Condotel and Co-op allowed at standard LTV’s (No LTV reductions for expatriate/immigrant).