6000+ partners

More than 6,000 partnering brokerage companies

18+ years

More than 18 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 direct mortgage lender, bringing first-class service to our partners. We offer a full spectrum of Conventional, Government and Non-QM products, including Bank Statements, Jumbo, and Foreign National programs.
­
Join our network of partners and get empowered with our innovative products, superior service and advanced technology.

About Us

Benefits to grow your business

star

Streamlined Loan Process

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

star

"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.

star

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.

star

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

Conditions

24 hours

Closing

24 hours

24 hours

Programs

Hard Money

Min. FICO 580 Up to 70% CLTV
A solution to bridge the gap when transitioning from one home to another
  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
  • Smooth and easy
Learn More

Second Mortgage

Min. FICO 660 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, investment, Foreign National
  • 30-year fixed terms available
Learn More

DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with the fastest turn times in the industry
  • No ratio loans
  • No income no employment
  • Condotels, mixed use, 5-8 units
  • Max cash-on-hand $1 million, no limit for CLTV <55%
Learn More

12/24 Months Bank Statements

Min. FICO 599 Up to 90% CLTV
The perfect fit for self-employed borrowers
  • Personal / business / combined
  • 3 month reserves
  • Concierge Service to calculate income
  • Max cash-on-hand $1 million, no limit for CLTV < 55%
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 program
  • Min. FICO 700 and up to 70% CLTV for DSCR
  • Loan Amounts up to $1.5 Million
  • Must possess valid ITIN card or IRS ITIN Letter and and an Unexpired Government Photo ID (i.e. Driver’s license, International Passport, etc).
Learn More

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
The simpliest alternative solution for self-employed borrowers
  • P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
  • 2 months of bank statements required
  • No tax returns required
  • Loan amounts up to $4 million
Learn More

1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 90% CLTV
Take advantage of Non-QM flexibility for Full Doc borrowers
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied
  • 1Y credit event allowed
  • Max cash-on-hand $1 million, no limit for LTV < 55%
Learn More

1099

Min. FICO 599 Up to 85% CLTV
Ideal loan for sole proprietors or contract individuals
  • 1099s for 2 years
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max
Learn More

WVOE

Min. FICO 599 Up to 80% CLTV
Loan solution for salaried borrowers with no tax returns
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million
Learn More

Asset Utilization

Min. FICO 599 Up to 80% CLTV
Qualify high net-worth individuals with their accumulated capital
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
  • Savings and checking 100%
Learn More

Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 660
Qualify Foreign Nationals with minimal documentation and fast closings
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or No FICO
  • One bank reference letter
Learn More

Foreign Nationals Full Doc

Up to 75% CLTV Min. FICO 660
Qualify Foreign National borrowers with overseas income
  • Loan Amount up to $2 Million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed
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
  • FICO 620
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
  • FICO 620
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
  • Cash out up to 75% HCLTV
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 $1,089,300
  • DTI up to 55%
  • Primary residence, second home, investment
Learn More

FHA Streamline Refinance

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

FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Qualify homebuyers with limited down payment capabilities
  • Loan amounts up to $472,030
  • DTI up to 55%
  • Financing up to 96.5%
Learn More

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
  • Loan amounts up to $1,149,825
  • Primary, secondary homes, and investment
  • More competitive rates and easier guidelines
  • Faster turn times
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 $766,550
  • DTI up to 45%
  • Cancelable MI
  • Homebuyer education is required for first-time buyers
Learn More

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
The perfect fit for borrowers with limited down payment capabilities
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Primary residence
  • First-time or repeat home buyers
Learn More

Conventional Standard

Min. FICO 620 Up to 97% CLTV
An affordable financing option with standard requirements
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Minimum down payment 3%
  • Temporary rate buydowns available
Learn More
All Programs

Why we are trusted

Where We Are Licensed

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

Ready to get started?

Write to us, we will contact you within 30 minutes.

Get in Touch