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 $5 million
• 5-year interest only
• Can close in an LLC
• Investment property, residential vacant or tenant-occupied

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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, investment, Foreign National
• 30-year fixed terms available

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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%

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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%

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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

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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%

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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

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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

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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%

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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
• CPA Letter for last 2 years & year-to-date

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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

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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
• FICO 620

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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
• FICO 620

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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
• Cash out up to 75% HCLTV

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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 $1,089,300
• DTI up to 55%
• Primary residence, second home, investment

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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

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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 $472,030
• DTI up to 55%
• Financing up to 96.5%

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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
• Primary, secondary homes, and investment
• More competitive rates and easier guidelines
• Faster turn times

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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
• Homebuyer education is required for first-time buyers

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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
• First-time or repeat home buyers

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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%
• Down payments as low as 3% depending on loan amount

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