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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.

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Become a Partner More than 6,000 partnering brokerage companies
Become a Partner More than 17 years in the mortgage industry
Become a Partner Operating in 40+ 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 17 years in the mortgage industry
Become a Partner Operating in 40+ 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 17 years in the mortgage industry
Become a Partner Operating in 40+ 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 17 years in the mortgage industry
Become a Partner Operating in 40+ 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 17 years in the mortgage industry
Become a Partner Operating in 40+ states
Become a Partner Responding to requests within 30 minutes

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 Months Bank Statements

Min. FICO 599 Up to 90% CLTV
  • Personal / business / combined
  • 3 month reserves
  • Concierge Service to calculate income
  • Max cash-on-hand $1 million, no limit for CLTV < 55%

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • P&L only prepared by 3rd party CPA
  • 2 months of bank statements required
  • No tax returns required
  • Loan amounts up to $4 million

1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 80% 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 599 Up to 85% CLTV
  • 1099s for 2 years
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max

WVOE

Min. FICO 599 Up to 85% CLTV
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million

Asset Utilization

Min. FICO 599 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 660
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR as low as 0 (min. FICO 680)
  • CPA Letter for last 2 years & year-to-date

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

Up to 97% LTV FICO 620
  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Fannie Mae RefiNow

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Conventional High Balance

Loans up to $970,800
  • Loan amounts up to $1,089,300 in high-cost areas for a single unit
  • Eligible for primary and secondary homes
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible

  • Fixed-rate financing for easier budgeting
  • Homebuyer education is required for first-time buyers
  • Up to 97% LTV
  • FICO 620

Fannie Mae HomeReady

  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers

Conventional

  • Loan amounts up to $726,200
  • A conventional loan can be used to finance a property in a high-cost area
  • 15-, 20-, 25- & 30-year fixed rate
  • Down payments as low as 3% depending on loan amount

Prime Jumbo

  • FICO 680
  • Up to 75.00% HCLTV
  • Fixed terms available up to $2.5 milliоn
  • Cash out up to 75% HCLTV

FHA High Balance

Minimum 620 FICO
  • Loan amounts up to $1,089,300 depending on home location
  • Available on primary residences
  • Condo financing available

FHA Streamline Refinance

No minimum FICO
  • No appraisal and no income documentation are required
  • You must have made at least six payments on your FHA mortgage
  • To qualify, you’re required to be current on your monthly loan payments

FHA

Financing up to 96.5% DTI up to 55%
  • Financing up to 96.5%
  • DTI up to 55%
  • Up to 6% of closing costs can be contributed by the seller
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 Months Bank Statements

Min. FICO 599 Up to 90% CLTV
  • Personal / business / combined
  • 3 month reserves
  • Concierge Service to calculate income
  • Max cash-on-hand $1 million, no limit for CLTV < 55%

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
  • P&L only prepared by 3rd party CPA
  • 2 months of bank statements required
  • No tax returns required
  • Loan amounts up to $4 million

1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 80% 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 599 Up to 85% CLTV
  • 1099s for 2 years
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max

WVOE

Min. FICO 599 Up to 85% CLTV
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million

Asset Utilization

Min. FICO 599 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 660
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR as low as 0 (min. FICO 680)
  • CPA Letter for last 2 years & year-to-date

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
Conventional

Freddie Mac Refi Possible

Up to 97% LTV FICO 620
  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Fannie Mae RefiNow

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Conventional High Balance

Loans up to $970,800
  • Loan amounts up to $1,089,300 in high-cost areas for a single unit
  • Eligible for primary and secondary homes
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible

  • Fixed-rate financing for easier budgeting
  • Homebuyer education is required for first-time buyers
  • Up to 97% LTV
  • FICO 620

Fannie Mae HomeReady

  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers

Conventional

  • Loan amounts up to $726,200
  • A conventional loan can be used to finance a property in a high-cost area
  • 15-, 20-, 25- & 30-year fixed rate
  • Down payments as low as 3% depending on loan amount
Prime Jumbo

Prime Jumbo

  • FICO 680
  • Up to 75.00% HCLTV
  • Fixed terms available up to $2.5 milliоn
  • Cash out up to 75% HCLTV
Government

FHA High Balance

Minimum 620 FICO
  • Loan amounts up to $1,089,300 depending on home location
  • Available on primary residences
  • Condo financing available

FHA Streamline Refinance

No minimum FICO
  • No appraisal and no income documentation are required
  • You must have made at least six payments on your FHA mortgage
  • To qualify, you’re required to be current on your monthly loan payments

FHA

Financing up to 96.5% DTI up to 55%
  • Financing up to 96.5%
  • DTI up to 55%
  • Up to 6% of closing costs can be contributed by the seller
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.

"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.

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

Why we are trusted

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