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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

Solutions to qualify every borrower

Non-QM
Jumbo
Government
Second Lien
Conventional
Other Financing Solutions

All Programs

DSCR

Min. FICO 620 Up to 80% CLTV

Credit for DSCR >1.25
No income no employment
Short-term rental is available
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%

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV

Personal, business, or combined bank statement
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
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
3 months of reserves
No tax returns required
A two-year history with the same employer is required. For loans with CLTV > 70%, two months of personal bank statements are required

Asset Utilization

Min. FICO 620 Up to 80% CLTV

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. A 4-month seasoning of assets is required

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 $766,550
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 $766,550
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 $766,550
DTI up to 45%
Cancelable MI
Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV

Loan amounts up to $1,149,825
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 $1,149,285
DTI up to 55%
Primary residence, second home
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 660 Up to 85% CLTV

Loan amounts up to $500,000
DTI up to 50%
Owner-occupied, second home, or investment
Min FICO 660

Hard Money

Min. FICO 580 Up to 70% CLTV

Loan amounts up to $2.5 million
5-year interest only
Close in an LLC
DTI not required

Non-QM

DSCR

Min. FICO 620 Up to 80% CLTV

Credit for DSCR >1.25
No income no employment
Short-term rental is available
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%

12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV

Personal, business, or combined bank statement
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
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
3 months of reserves
No tax returns required
A two-year history with the same employer is required. For loans with CLTV > 70%, two months of personal bank statements are required

Asset Utilization

Min. FICO 620 Up to 80% CLTV

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. A 4-month seasoning of assets is required

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 $1,149,285
DTI up to 55%
Primary residence, second home
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 660 Up to 85% CLTV

Loan amounts up to $500,000
DTI up to 50%
Owner-occupied, second home, or investment
Min FICO 660

Conventional

Conventional Standard

Min. FICO 620 Up to 97% CLTV

Loan amounts up to $766,550
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 $766,550
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 $766,550
DTI up to 45%
Cancelable MI
Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV

Loan amounts up to $1,149,825
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

Hard Money

Min. FICO 580 Up to 70% CLTV

Loan amounts up to $2.5 million
5-year interest only
Close in an LLC
DTI not required

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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

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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

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AD Studio

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Customize your content from hundreds of pre-made templates

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