THE FIRST-EVER

NON-QM AUS!

The Automated Decision System for Non-QM Loans

  • Instant approve eligible
  • Automated conditions
  • Intuitive interface
non-qm aus

Struggling with a

challenging scenario?

A&D will help within 30 minutes!

Your Reward
for Self-Disclosure

Get 300 ADvantage points after funding

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Get a conventional loan

with no overlays!

  • Award-winning level of service
  • One-click dual AUS submission
  • Diverse loan options
try conventional
Non-QM AUS is live
Meet the mortgage milestone and grow your business with us!
Complete your loan
Get an A&D solution in just 30 minutes!
More rewards for closing
Just use Self-Disclosure and get points in ADvantage
Go conventional now!
Dive into new possibilities with conventional programs

6000+ partners

More than 6,000 partnering brokerage companies

20 years

20 years in the mortgage industry

50 states

Operating nationwide

30 mins

Responding to requests within 30 minutes

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 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 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%
Learn More
All Programs
Quick Pricer

Calculate your scenario

Get detailed information about the potential loan.

Quick Pricer

Why we are trusted

Where We Are Licensed

  • Licensed
  • Business purpose loans only
* License not required for business purpose loans
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Ready to get started?

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