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6000+ partners

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18+ years

More than 18 years in the mortgage industry

50 states

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A&D Mortgage – Nationwide Mortgage Lender

A&D Mortgage is a leading mortgage lender, recognized as a Forbes Top 10 wholesale lender and the #1 Non-QM lender in the US. With nearly 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.

 

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About Us

Benefits to grow your business

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Streamlined Loan Process

Our streamlined loan process provides brokers with industry-leading turn times, ensuring you're always ahead of the competition.

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"Can Do" Attitude and Expertise

Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.

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Loan Solutions that Grow

Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.

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Flexible Underwriting

Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.

Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Closing

24 hours

24 hours

Programs

Second Mortgage

Min. FICO 680 Up to 85% CLTV
A solution to secure additional funding with existing equity 
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • Min FICO 680 
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DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loan with the fastest turn times in the industry
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0
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12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
A perfect fit for self-employed borrowers
  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Concierge Service for income calculation
  • Min FICO 620
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ITIN

Min. FICO 660 Up to 80% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 80% CLTV for Super Prime
  • Min FICO 700 and up to 70% CLTV for DSCR 
  • Loan amounts up to $1.5 million 
  • Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%
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1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
The easiest alternative solution for self-employed borrowers
  • P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million
  • Min FICO 660
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1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV
A flexible Non-QM solution for Full Doc borrowers 
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied 
  • Min. 3 months of reserves
  • Min FICO 620 
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1099

Min. FICO 620 Up to 85% CLTV
An ideal loan for sole proprietors or contract individuals 
  • 1099s for the last 1 year
  • 1-year history with the same employer 
  • Gift funds allowed 
  • Loan amounts up to $4 million 
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WVOE

Min. FICO 620 Up to 80% CLTV
A loan solution for salaried borrowers with no tax returns 
  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required
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Asset Utilization

Min. FICO 620 Up to 80% CLTV
An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed 
  • Qualifying assets / 60 months
  • Min. 3 months of reserves
  • Loan amounts up to $4 million 
  • Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts
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Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV
Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 65% СLTV cash-out
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Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
Qualify Foreign National borrowers with overseas income 
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed 
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Conventional Standard

Min. FICO 620 Up to 97% CLTV
An affordable financing option with standard requirements
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Minimum down payment 3%
  • LTV up to 97%
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Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
The perfect fit for borrowers with limited down payment capabilities
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%
Learn More

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
An affordable mortgage option for low- to moderate-income individuals
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%
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Conventional High Balance

Min. FICO 620 Up to 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
  • Loan amounts up to $1,203,975
  • DTI up to 50%
  • Primary, secondary homes, and investment
  • Minimum down payment 3%
Learn More

Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
Learn More

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
Learn More

Prime Jumbo

Min. FICO 680 Up to 80% CLTV
A solution for borrowers seeking large home loans
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
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FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Qualify homebuyers with limited down payment capabilities
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances
Learn More

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
A mortgage option allowing for larger loan amounts in high-cost areas
  • Loan amounts up to $1,149,825
  • DTI up to 55%
  • Primary residence
  • LTV up to 97.75% 
Learn More

FHA Streamline Refinance

Min. FICO 640
Current FHA loan refinance solution with minimal requirements
  • Min. 6 payments on current FHA loan
  • Primary residence
  • No appraisal for stick-built properties
  • No DTI verification
Learn More
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Why we are trusted

Where We Are Licensed

  • Licensed
  • Business purpose loans only
* License not required for business purpose loans
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