The recent closures of some Non-QM lenders is a very sad situation for their employees and for borrowers who might have had loans in process with them. A&D Mortgage is here to help those brokers and clients navigate through these uncertain times if their loans were impacted by these unfortunate circumstances.

The Non-QM market is still strong for those lenders who carefully consider the risk of each loan, aggregate and securitize their own loans, manage their overhead well, and provide superior service to their brokers and borrowers. The markets may be softening a little, but there will always be demand for housing and a need for someone to assist borrowers with getting a mortgage.

Why A&D Remains Strong:

• We have the fastest turnaround times in the industry
• Our proprietary Non-QM programs allow us to make every decision about a loan’s viability, grant exceptions when necessary, and securitize those loans for the capital markets
• By constantly monitoring the markets, we can offer your clients the most competitive rates while remaining fiscally sound and stable
• The diversity of our program portfolio:
  • No income DSCR loans
  • The ability to work with Foreign Nationals and Non-Permanent Residents
  • No W2s or Tax Return: Alternative income documentation programs for small business owners and self-employed borrowers that allow Bank Statements, P&Ls, WVOEs, and 1099s to prove the borrower’s ability to repay.

Brokers can be assured that our long-standing expertise as a trusted lender will continue to help them grow their business and help their clients achieve the dream of owning a home. So, whether borrowers or brokers are looking for a Conventional, Government, or Non-QM loan, A&D will continue to offer the best lending experience, fastest turn times, and most competitive rates as we have been since 2005.

As a mortgage broker, your clients rely on your expertise to find them the best deals. Our Quick Pricer tool can be an invaluable asset in your quest to secure the most advantageous mortgage rates. Be sure to explore our Programs section for additional resources tailored to your needs. If you have specific scenarios in mind, don’t hesitate to request them; we’re here to assist you. And if you’re interested in joining forces to provide even more value to your clients, consider becoming a partner with us. Together, we can empower individuals and families to achieve their dreams of homeownership.