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Become a Partner

Partner with AD 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 9,000 partnering brokerage companies
Become a Partner 20 years in the mortgage industry
Become a Partner Operating in 48 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 9,000 partnering brokerage companies
Become a Partner 20 years in the mortgage industry
Become a Partner Operating in 48 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 9,000 partnering brokerage companies
Become a Partner 20 years in the mortgage industry
Become a Partner Operating in 48 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 9,000 partnering brokerage companies
Become a Partner 20 years in the mortgage industry
Become a Partner Operating in 48 states
Become a Partner Responding to requests within 30 minutes
Become a Partner More than 9,000 partnering brokerage companies
Become a Partner 20 years in the mortgage industry
Become a Partner Operating in 48 states
Become a Partner Responding to requests within 30 minutes

Why we are trusted

And what I love the most is that you guys are listening. You value what we are telling you, as partners, and it’s so important because you’re hearing us and you’re making changes for that growth.
Tara Hickey
Senior Vice President
1:43
Watch video

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
Watch video
Quick Pricer is one of my favorite tools to use just to see what the rates are or whether we can offer that program to the client at the beginning. Also, the account executives are great – they’re always there to answer questions.
Rudy Garcia
Mortgage broker
1:38
Watch video

The main thing with AD is that you guys do the deals that nobody else does. When you’re in the non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.

Ernesto Alum
Loan Officer
2:15
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez
Posted to
06/17/2025
And what I love the most is that you guys are listening. You value what we are telling you, as partners, and it’s so important because you’re hearing us and you’re making changes for that growth.
Tara Hickey
Senior Vice President
1:43
Watch video

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
Watch video
Quick Pricer is one of my favorite tools to use just to see what the rates are or whether we can offer that program to the client at the beginning. Also, the account executives are great – they’re always there to answer questions.
Rudy Garcia
Mortgage broker
1:38
Watch video

The main thing with AD is that you guys do the deals that nobody else does. When you’re in the non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.

Ernesto Alum
Loan Officer
2:15
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez
Posted to
06/17/2025
We've received more than 1,300 great reviews about our company
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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

No Score or 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 or no score; for I/O Min. FICO 680 & FTHB no allowed

ITIN

Min. FICO 660 Up to 80% CLTV
  • Min FICO 660 and up to 70% CLTV for Super Prime
  • DTI up to 50%
  • Loan amounts up to $1.5 million 
  • Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700

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; for I/O Min. FICO 680 & FTHB no allowed

1Y or 2Y Full Doc Non-QM

No Score or 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 or no score; for I/O Min. FICO 680 & FTHB no allowed

1099

No Score or 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

No Score or 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 National DSCR

No Score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 75% СLTV purchase / Up to 70% СLTV cash-out

Foreign National 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 

Foreign National Asset Utilization

No score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • Qualifying assets / 60 months
  • Second home
Non-QM Product Matrix Non-QM Overview

AD Power Jumbo

Min. FICO 660 Up to 89.99% CLTV
  • Loan amounts up to $5 million
  • DTI up to 50%
  • No max cash-out limits
  • Income as per DU/LPA

Freddie Mac HomeOne

FICO per AUS Up to 97% LTV
  • Loan amounts up to $832,750
  • Minimum down payment is 3%
  • Max CLTV is 105%; max LTV is 97%
  • Primary Residence only

Conventional Standard

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum down payment 3%
  • LTV up to 97%

Fannie Mae HomeReady

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI per AUS
  • Primary residence
  • Minimum down payment 3%

Freddie Mac Home Possible

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI per AUS
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

FICO per AUS Up to 97% CLTV
  • Loan limits up to $1,249,125 per county
  • DTI per AUS
  • Primary, secondary homes, and investment
  • Minimum down payment 3%

Fannie Mae RefiNow

FICO per AUS Up to 97% CLTV
  • Reduced documentation
  • DTI per AUS
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%

Freddie Mac Refi Possible

FICO per AUS Up to 97% CLTV
  • Reduced documentation
  • DTI per AUS
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%

VA Standard

Min. FICO 580 Up to 100% CLTV 
  • Loan amounts up to $2 million 
  • Gift funds are allowed
  • No down payment required 
  • Manufactured homes

VA IRRRL

Min. FICO 580 Up to 110% CLTV 
  • Loan amounts up to $1.5 million
  • No appraisal or credit underwriting required 
  • Primary residence, Investments, Second Home
  • Manufactured homes

FHA Standard

Min. FICO 580 Up to 97.75% CLTV
  • Loan amounts up to $524,225
  • DTI as per AUS
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances

FHA High Balance

Min. FICO 580 Up to 97.75% CLTV
  • Loan amounts up to $1,249,125
  • DTI as per AUS
  • Primary residence, second home
  • LTV up to 97.75% 

FHA Streamline Refinance

Min. FICO 580
  • Min. 6 payments on current FHA loan
  • Primary residence
  • No appraisal for stick-built properties
  • No DTI verification

Second Mortgage

No Score for FN or FICO 680 Up to 90% CLTV
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • No Score or 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

No Score or 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 or no score; for I/O Min. FICO 680 & FTHB no allowed

ITIN

Min. FICO 660 Up to 80% CLTV
  • Min FICO 660 and up to 70% CLTV for Super Prime
  • DTI up to 50%
  • Loan amounts up to $1.5 million 
  • Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700

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; for I/O Min. FICO 680 & FTHB no allowed

1Y or 2Y Full Doc Non-QM

No Score or 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 or no score; for I/O Min. FICO 680 & FTHB no allowed

1099

No Score or 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

No Score or 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 National DSCR

No Score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 75% СLTV purchase / Up to 70% СLTV cash-out

Foreign National 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 

Foreign National Asset Utilization

No score or FICO 660 Up to 75% CLTV
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • Qualifying assets / 60 months
  • Second home
Non-QM Product Matrix Non-QM Overview
Jumbo

AD Power Jumbo

Min. FICO 660 Up to 89.99% CLTV
  • Loan amounts up to $5 million
  • DTI up to 50%
  • No max cash-out limits
  • Income as per DU/LPA
Conventional

Freddie Mac HomeOne

FICO per AUS Up to 97% LTV
  • Loan amounts up to $832,750
  • Minimum down payment is 3%
  • Max CLTV is 105%; max LTV is 97%
  • Primary Residence only

Conventional Standard

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum down payment 3%
  • LTV up to 97%

Fannie Mae HomeReady

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI per AUS
  • Primary residence
  • Minimum down payment 3%

Freddie Mac Home Possible

FICO per AUS Up to 97% CLTV
  • Loan amounts up to $832,750
  • DTI per AUS
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

FICO per AUS Up to 97% CLTV
  • Loan limits up to $1,249,125 per county
  • DTI per AUS
  • Primary, secondary homes, and investment
  • Minimum down payment 3%

Fannie Mae RefiNow

FICO per AUS Up to 97% CLTV
  • Reduced documentation
  • DTI per AUS
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%

Freddie Mac Refi Possible

FICO per AUS Up to 97% CLTV
  • Reduced documentation
  • DTI per AUS
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
Government

VA Standard

Min. FICO 580 Up to 100% CLTV 
  • Loan amounts up to $2 million 
  • Gift funds are allowed
  • No down payment required 
  • Manufactured homes

VA IRRRL

Min. FICO 580 Up to 110% CLTV 
  • Loan amounts up to $1.5 million
  • No appraisal or credit underwriting required 
  • Primary residence, Investments, Second Home
  • Manufactured homes

FHA Standard

Min. FICO 580 Up to 97.75% CLTV
  • Loan amounts up to $524,225
  • DTI as per AUS
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances

FHA High Balance

Min. FICO 580 Up to 97.75% CLTV
  • Loan amounts up to $1,249,125
  • DTI as per AUS
  • Primary residence, second home
  • LTV up to 97.75% 

FHA Streamline Refinance

Min. FICO 580
  • Min. 6 payments on current FHA loan
  • Primary residence
  • No appraisal for stick-built properties
  • No DTI verification
Second Mortgage

Second Mortgage

No Score for FN or FICO 680 Up to 90% CLTV
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • No Score or FICO 680
All Programs

Ready to start?
Fill the broker package

Then you just need to click the button below and fill the form. After clicking “Submit”, an auto-generated e-doc will be opened for you to review and sign the filled Broker Package.

Fill the Broker Package

Benefits to grow your business

Streamlined Loan
Process

Our streamlined loan process provides our partners 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

As fast as

24 hr

Disclosure

Separator

As fast as

24 hr

Underwriting

Separator

As fast as

48 hr

Closing

Technologies to boost your business

Become a Partner

Calculate Your Scenario

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

Submit a Loan

AIM Partner Portal
  • Explore the next evolution of our Partner Portal with AI integration
  • Manage every step in the loan process — from submission to funding
Become a Partner

Order an Appraisal

AD Appraisal center
  • Log in to AIM and order an appraisal
  • Don’t partner up with each AMCs – you won’t have to anymore!
  • Get live price comparisons online
Become a Partner

Promote Yourself

AD Studio
  • Use professionally designed marketing materials online
  • Request a custom-made flyer based on the shown templates

Ready to get started?

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

Request Info