A&D Mortgage – Nationwide Mortgage Lender

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
• DTI not required

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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, or investment
• Min FICO 660 

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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 rental is available
• 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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12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV

A perfect fit for self-employed borrowers

• Personal, business, or combined bank statement
• 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 
• 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
• 3 months of reserves
• No tax returns required 
• A two-year history with the same employer is required. For loans with CLTV > 70%, two months of personal bank statements are 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
• 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. A 4-month seasoning of assets is required

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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 $766,550
• 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 $766,550
• DTI up to 50%
• Primary residence
• Minimum down payment 3%

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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
• 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 $1,149,825
• DTI up to 50%
• Primary, secondary homes, and investment
• Minimum down payment 3%

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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%

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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%

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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

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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 $1,149,285
• DTI up to 55%
• Primary residence, second home
• LTV up to 97.75% 

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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

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