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6,000+

More than 6,000 partnering brokerage companies

17+

More than 17 years in the mortgage industry

40+

Operating in 40+ states

30

Responding to requests within 30 minutes

Nationwide mortgage lender

A&D Mortgage is a direct 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.
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Join our network of partners and get empowered with our innovative products, superior service and advanced technology.

About Us

Why we are trusted

Programs

Super Prime

90% CLTV FICO 599
  • FICO 599
  • 90% CLTV
  • Loan Amount up to $4 Million​
  • Max Cash-on-Hand $1 Million, no limit for CLTV < 55%​

Prime

80% HCLTV​ No Score or FICO 599
  • No Score or FICO 599
  • 80% HCLTV​
  • Loan Amount up to $1.5 Million​
  • 30 & 40 Year Fixed​

Full Doc Non-QM

90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for LTV < 55%

DSCR

FICO 620 Up to 80% DSCR as low as 0
  • FICO 620
  • Up to 80% CLTV
  • Loan amounts up to $3 million
  • Max cash-on-hand $1 million, no limit for CLTV <55%

12/24 Months Bank Statements

Up to 90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • Up to 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for CLTV < 55%

1Y + 2Y P&L ONLY

Up to 85% CLTV on 2Y Up to 80% CLTV on 1Y No Score or FICO 599
  • No Score or FICO 599
  • Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
  • Max DTI 55%
  • Loan amounts up to $4 million

1099

Up to 85% CLTV for 1099 No Score or FICO 599
  • No Score or FICO 599
  • Up to 85% CLTV for 1099
  • Loan amounts up to $4 million
  • DTI 55% Max

WVOE

Up to 80% CLTV for WVOE No Score or FICO 599
  • No Score or FICO 599
  • Up to 80% LTV for WVOE
  • Up to 85% LTV for 1099
  • Loan amounts up to $4 million

Bridge Loan Program

70% CLTV FICO 660
  • FICO 580
  • 70% CLTV
  • Interest Only
  • No Income on 1003

Asset Utilization

Up to 80% CLTV FICO 660
  • FICO 660
  • Up to 80% CLTV
  • Cash Out up to 75% LTV
  • Savings and checking 100%

Foreign Nationals

Up to 75% CLTV No score or FICO 680
  • No score or FICO 660
  • Up to 75% CLTV
  • Loan amounts up to $2 million
  • Cash-out allowed

Non Permanent Resident

Non Permanent Resident FICO 660
  • FICO 660
  • Up to 85% CLTV
  • Bank statements allowed

Freddie Mac Refi Possible℠

Up to 97% LTV FICO 620
  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Fannie Mae RefiNow™

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Prime Jumbo

  • FICO 660
  • Up to 80.00% HCLTV
  • 15-Year & 30-Year fixed up to $3 million
  • Cash out up to 80% HCLTV

FHA High Balance

Minimum 620 FICO
  • Loan amounts up to $1,089,300 depending on home location
  • Available on primary residence and second/vacation homes
  • Condo financing available

FHA Streamline Refinance

No minimum FICO
  • No appraisal and no income documentation are required
  • You must have made at least six payments on your FHA mortgage
  • To qualify, you’re required to be current on your monthly loan payments

FHA

Financing up to 96.5% DTI up to 55%
  • Financing up to 96.5%
  • DTI up to 55%
  • No appraisal is needed to apply for the streamline refinance FHA program
  • Up to 6% of closing costs can be contributed by the seller

Conventional High Balance

Loans up to $970,800
  • Loan amounts up to $1,089,300 in high-cost areas for a single unit
  • Eligible for primary and secondary homes
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible®

  • Fixed-rate financing for easier budgeting
  • Homebuyer education is required for first-time buyers
  • Up to 97% LTV
  • FICO 620

Fannie Mae HomeReady®

  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers

Conventional

  • Loan amounts up to $726,200
  • A conventional loan can be used to finance a property in a high-cost area
  • 15-, 20-, 25- & 30-year fixed rate
  • Down payments as low as 3% depending on loan amount
All Programs

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Where We Are Licensed

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