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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.

Fill the Broker Package
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
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
  • Personal, business, or combined bank statements
  • Min. 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 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%

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 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 
  • Min. 3 months of reserves
  • Min FICO 620 

1099

Min. FICO 620 Up to 85% CLTV
  • 1099s for the last 1 year
  • 1-year history with the same employer 
  • Gift funds allowed 
  • Loan amounts up to $4 million 

WVOE

Min. FICO 620 Up to 80% CLTV
  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required

Asset Utilization

Min. FICO 620 Up to 80% CLTV
  • Qualifying assets / 60 months
  • Min. 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

Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 65% СLTV cash-out

Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed 
Non-QM Product Matrix Non-QM Overview

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Minimum down payment 3%
  • LTV up to 97%

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,203,975
  • DTI up to 50%
  • Primary, secondary homes, and investment
  • Minimum down payment 3%

Fannie Mae RefiNow

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

Freddie Mac Refi Possible

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

Prime Jumbo

Min. FICO 680 Up to 80% CLTV
  • 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

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%
  • A maximum LTV of 80% for cash-out refinances

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $1,149,825
  • DTI up to 55%
  • Primary residence
  • LTV up to 97.75% 

FHA Streamline Refinance

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

Second Mortgage

Min. FICO 680 Up to 85% CLTV
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • Min FICO 680 
Non-QM

DSCR

Min. FICO 620 Up to 80% CLTV
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
  • Personal, business, or combined bank statements
  • Min. 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 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%

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 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 
  • Min. 3 months of reserves
  • Min FICO 620 

1099

Min. FICO 620 Up to 85% CLTV
  • 1099s for the last 1 year
  • 1-year history with the same employer 
  • Gift funds allowed 
  • Loan amounts up to $4 million 

WVOE

Min. FICO 620 Up to 80% CLTV
  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required

Asset Utilization

Min. FICO 620 Up to 80% CLTV
  • Qualifying assets / 60 months
  • Min. 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

Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 65% СLTV cash-out

Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 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
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
Government

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%
  • A maximum LTV of 80% for cash-out refinances

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
  • Loan amounts up to $1,149,825
  • DTI up to 55%
  • Primary residence
  • LTV up to 97.75% 

FHA Streamline Refinance

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

Second Mortgage

Min. FICO 680 Up to 85% CLTV
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • Min FICO 680 
Conventional

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Minimum down payment 3%
  • LTV up to 97%

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,203,975
  • DTI up to 50%
  • Primary, secondary homes, and investment
  • Minimum down payment 3%

Fannie Mae RefiNow

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

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
Other Financing Solutions
All Programs

Ready to start?
Fill the broker package

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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

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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