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8500+ partners

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20 years

20 years in the mortgage industry

48 states

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A&D Mortgage – Mortgage Lender That Helps You Win

A&D Mortgage is a leading mortgage lender, recognized as a Forbes Top 10 wholesale lender and a top 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.

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About Us

A&D Mortgage – Mortgage Lender That Helps You Win

Benefits to grow your business

Streamlined Loan Process

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

"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.

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.

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

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

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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

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ITIN

Min. FICO 660 Up to 70% CLTV

Expand your mortgage portfolio for borrowers without an SSN

Min FICO 660 and up to 70% 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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Prime Jumbo

Min. FICO 720 Up to 80% CLTV

A solution for borrowers seeking large home loans

Loan amounts up to $3.5 million
DTI up to 50%
No MI required
Up to 80% СLTV purchase / Up to 75% СLTV cash-out

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Conventional Standard

Min. FICO 620 Up to 97% CLTV

An affordable financing option with standard requirements

Loan amounts up to $806,500
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 $806,500
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 $806,500
DTI up to 50%
Cancelable MI
Minimum down payment 3%

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FHA Standard

Min. FICO 580 Up to 97.75% CLTV

Qualify homebuyers with limited down payment capabilities

Loan amounts up to $524,225
DTI as per AUS
LTV up to 97.75%
A maximum LTV of 80% for cash-out refinances

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FHA High Balance

Min. FICO 580 Up to 97.75% CLTV

A mortgage option allowing for larger loan amounts in high-cost areas

Loan amounts up to $1,209,750
DTI as per AUS
Primary residence, second home
LTV up to 97.75%

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FHA Streamline Refinance

Min. FICO 580

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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Second Mortgage

No Score for FN or FICO 680 Up to 90% 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
No Score or FICO 680

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All Programs

Calculate your scenario

Get detailed information about the potential loan.

Quick Pricer

Why we are trusted

A&D are making some technical changes that have helped with the speed and getting from originating to closing. A lot of things are done online and it’s going to continue to be that way. I think, A&D has recently made those steps to keep pace with that.

David J. Poloney

Mortgage broker

04:27

Watch video

Serena is THE BEST!!! Always there to answer questions. Excellent communication. HIGHLY RECOMMEND!!!

Dean Loux

Posted to

05/29/2025

My Rep Serena Diaco is so helpful she takes the time to always answer my questions. She cares about my loans and helps get them closed. She is the reason I send loans to A&D
Nancy

Nancy Esquivel

Posted to

05/30/2025

We are glad that professionals helped us with the deal for our house. We thank you and highly recommend you.

Anastasiia Skisova

Posted to

05/31/2025

Our experience was phenomenal! Our loan officer, Joshua Perez, made the process seamless for everything that was in their control. I would highly recommend AD Mortgage

Dwala Reid

Posted to

05/31/2025

From offer to close in less than 30 days! Amazing team of Atul, Doug and Dev made all the process very easy

Vedant Biyani

Posted to

06/05/2025

Reliable lender and awesome AE (Elina Yapparova )

Patience Kplivi

Posted to

06/09/2025

AD Mortgage is a Great Lender with a Team of professionals always ready to help and get the job done right away!
My Company is Bulgari Financial Corporation – an approved Boker with AD Mortgage.
AD Mortgage approved one of my loans from application to Clear to Close for 7 days Only!
Simply Amazing and Highly Recommended!

Bissera A. Paskaleva

Posted to

06/14/2025

Chris D’Mello and A&D were great to work with from start to finish. They were very responsive and helpful every step of the way. This was my first time needing a mortgage, and I’d go back to them again if I need anything else.

Elissa Williams

Posted to

06/16/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez

Posted to

06/17/2025

Great experience! Was very overwhelmed and stressed with the lender I had. Decided to let them beat my objections and they did! Made my home buying process exciting instead of stressful!