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Become a Partner

Become a Partner

Partner with A&D Mortgage to focus on your customers while we take care of the hassle for you. Receive the highest level of service and support from one of the leading lenders in the industry.

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Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 18 years in the mortgage industry
Become a Partner Operating in 50 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 18 years in the mortgage industry
Become a Partner Operating in 50 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 18 years in the mortgage industry
Become a Partner Operating in 50 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 18 years in the mortgage industry
Become a Partner Operating in 50 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 18 years in the mortgage industry
Become a Partner Operating in 50 states
Become a Partner Responding to requests within 30 minutes

Why we are trusted

Solutions to qualify every borrower

All Programs

DSCR

Min. FICO 620 Up to 80% CLTV
  • No ratio loans
  • No income no employment
  • Condotels, mixed use, 5-8 units
  • Max cash-on-hand $1 million, no limit for CLTV <55%

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
  • Personal, business, or combined bank statement
  • As little as 3 months of reserves
  • Concierge Service for income calculation
  • Min FICO: 620

ITIN

Min. FICO 660 Up to 80% CLTV
  • 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 
  • Cash-on-hand: Max cash-on-hand $1 million, no limit for CLTV <55% 

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • 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

1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV
  • 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%

1099

Min. FICO 620 Up to 85% CLTV
  • 1099s for last 1 year
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max

WVOE

Min. FICO 620 Up to 80% CLTV
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million

Asset Utilization

Min. FICO 620 Up to 80% CLTV
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
  • Savings and checking 100%

Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 680
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or No FICO
  • One bank reference letter

Foreign Nationals Full Doc

Up to 75% CLTV Min. FICO 660
  • Loan Amount up to $2 Million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed
Non-QM Product Matrix Non-QM Overview

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620

Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,149,825
  • Primary, secondary homes, and investment
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 45%
  • Cancelable MI
  • Homebuyer education is required for first-time buyers

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Primary residence
  • First-time or repeat home buyers

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Minimum down payment 3%
  • Temporary rate buydowns available

Prime Jumbo

Min. FICO 680 Up to 80% CLTV
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Cash out up to 75% HCLTV

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $1,149,285
  • DTI up to 55%
  • Primary residence, second home

FHA Streamline Refinance

Min. FICO 640
  • No appraisal for stick-built properties
  • Min. 6 payments on current FHA loan
  • Primary residence

FHA Standard

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%

Second Mortgage

Min. FICO 660 Up to 85% CLTV
  • Loan amounts up to $500,000
  • DTI up to 50%
  • Owner-occupied, second home, investment, Foreign National
  • 30-year fixed terms available

Hard Money

Min. FICO 580 Up to 70% CLTV
  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
  • Smooth and easy
Non-QM

DSCR

Min. FICO 620 Up to 80% CLTV
  • No ratio loans
  • No income no employment
  • Condotels, mixed use, 5-8 units
  • Max cash-on-hand $1 million, no limit for CLTV <55%

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
  • Personal, business, or combined bank statement
  • As little as 3 months of reserves
  • Concierge Service for income calculation
  • Min FICO: 620

ITIN

Min. FICO 660 Up to 80% CLTV
  • 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 
  • Cash-on-hand: Max cash-on-hand $1 million, no limit for CLTV <55% 

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • 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

1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV
  • 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%

1099

Min. FICO 620 Up to 85% CLTV
  • 1099s for last 1 year
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max

WVOE

Min. FICO 620 Up to 80% CLTV
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million

Asset Utilization

Min. FICO 620 Up to 80% CLTV
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
  • Savings and checking 100%

Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 680
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or No FICO
  • One bank reference letter

Foreign Nationals Full Doc

Up to 75% CLTV Min. FICO 660
  • Loan Amount up to $2 Million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed
Non-QM Product Matrix Non-QM Overview
Jumbo

Prime Jumbo

Min. FICO 680 Up to 80% CLTV
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Cash out up to 75% HCLTV
Government

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $1,149,285
  • DTI up to 55%
  • Primary residence, second home

FHA Streamline Refinance

Min. FICO 640
  • No appraisal for stick-built properties
  • Min. 6 payments on current FHA loan
  • Primary residence

FHA Standard

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
Second Lien

Second Mortgage

Min. FICO 660 Up to 85% CLTV
  • Loan amounts up to $500,000
  • DTI up to 50%
  • Owner-occupied, second home, investment, Foreign National
  • 30-year fixed terms available
Conventional

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620

Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,149,825
  • Primary, secondary homes, and investment
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 45%
  • Cancelable MI
  • Homebuyer education is required for first-time buyers

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Primary residence
  • First-time or repeat home buyers

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Minimum down payment 3%
  • Temporary rate buydowns available
Other Financing Solutions

Hard Money

Min. FICO 580 Up to 70% CLTV
  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
  • Smooth and easy
All Programs

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Benefits to grow your business

Streamlined Loan
Process

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

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.

"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.

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.

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

Conditions

24 hours

Closing

24 hours

24 hours

Technologies to boost your business

Become a Partner

Price Scenario

Quick Pricer
  • Price your loan quickly
  • Make changes and recalculate easily
  • Show projected monthly payments and rates
Become a Partner

Submit Loan

Automated Decision Manager
  • Meet our centralized LOS to manage every step in the loan process — from submission to funding
  • Broker Manual
Become a Partner

Order Appraisal

AD Appraisal center
  • Order Appraisal Order & track any appraisal without leaving our website
  • No need to partner up with each AMCs anymore
  • Get live price comparisons online
Become a Partner

Promote Yourself

AD Studio
  • Create professionally designed marketing materials online
  • Customize your content from hundreds of pre-made templates

Ready to get started?

Write to us, we will contact you within 30 minutes.

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