8500+ partners

More than 8,500 partnering brokerage companies

20 years

20 years in the mortgage industry

48 states

Operating from coast to coast

30 mins

Responding to requests within 30 minutes

A&D Mortgage – Mortgage Lender That Helps You Win

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

 

Partner with A&D Mortgage for award-winning technology and lending solutions that move your business forward.

Embrace the Power of Yes!

About Us

Benefits to grow your business

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Streamlined Loan Process

Our streamlined loan process provides our partners 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

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
Learn More

12/24 Month Bank Statement

No Score or 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 or no score
Learn More

ITIN

Min. FICO 660 Up to 70% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 70% 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%
Learn More
All Programs
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Why we are trusted

Serena is THE BEST!!! Always there to answer questions. Excellent communication. HIGHLY RECOMMEND!!!

Dean Loux
Posted to
05/29/2025

My Rep Serena Diaco is so helpful she takes the time to always answer my questions. She cares about my loans and helps get them closed. She is the reason I send loans to A&D
Nancy

Nancy Esquivel
Posted to
05/30/2025

We are glad that professionals helped us with the deal for our house. We thank you and highly recommend you.

Anastasiia Skisova
Posted to
05/31/2025

Our experience was phenomenal! Our loan officer, Joshua Perez, made the process seamless for everything that was in their control. I would highly recommend AD Mortgage

Dwala Reid
Posted to
05/31/2025

Great service

Anthony Julius
Posted to
06/02/2025
We got more than 890 great reviews about our company
Read them on a platform that fits you

Where We Are Licensed

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

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