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ITIN Mortgages

are Now Available!

Empowering Borrowers to Achieve Their Dream Home Even With No SSN

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Choose a lender who knows how to grow your business

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Expand your mortgage portfolio for those with no SSN
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6000+ partners

More than 6,000 partnering brokerage companies

18+ years

More than 18 years in the mortgage industry

50 states

Operating nationwide

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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.
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Join our network of partners and get empowered with our innovative products, superior service and advanced technology.

About Us

Benefits to grow your business

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Streamlined Loan Process

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

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"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.

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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.

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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
  • 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
  • No ratio loans
  • No income no employment
  • Condotels, condo, SFR, townhomes, 2-4 units, PUD, short-term rentals, leasehold, SFR rural, manufactured housing
  • Max cash-in-hand $1 million, no limit 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 the Super Prime program
  • Min FICO 700 and up to 70% CLTV for DSCR 
  • Loan amounts up to $1.5 million 
  • Max cash-in-hand $1 million, no limit 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 by a licensed CPA, enrolled tax agent, or licensed tax preparer
  • No bank statements required if CLTV <= 65% 
  • Loan amounts up to $4 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 
  • FNMA Form 1005
  • 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required. For loans with CLTV > 65%, 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. Business assets are not permitted. A 4-month seasoning of assets is required
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Foreign Nationals DSCR

No score or FICO 680 Up to 70% CLTV
Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 75% 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 $2 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%
  • Temporary rate buydowns available
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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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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

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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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

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

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
Learn More

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

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
Learn More
All Programs
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Why we are trusted

Where We Are Licensed

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