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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 8,500 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 8,500 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 8,500 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 8,500 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 8,500 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

Definitely, there have been a couple of files that I have been able to finalize thanks to AD Mortgage. The huge difference that made it work above everything was the connection with my account executive and how helpful he has been ever since we met. AD has always been there, you’re super-fast, and the turnaround times are very good. That’s really good work right there.

Alejandra Lozano
Glades Lending and Realty LLC
3:32
Watch video

A&D are making some technical changes that have helped with the speed and getting from originating to closing. A lot of things are done online and it’s going to continue to be that way. I think, A&D has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
Watch video

My Rep Serena Diaco is so helpful she takes the time to always answer my questions. She cares about my loans and helps get them closed. She is the reason I send loans to A&D
Nancy

Nancy Esquivel
Posted to
05/30/2025

We are glad that professionals helped us with the deal for our house. We thank you and highly recommend you.

Anastasiia Skisova
Posted to
05/31/2025

Our experience was phenomenal! Our loan officer, Joshua Perez, made the process seamless for everything that was in their control. I would highly recommend AD Mortgage

Dwala Reid
Posted to
05/31/2025

AD Mortgage is a Great Lender with a Team of professionals always ready to help and get the job done right away!
My Company is Bulgari Financial Corporation – an approved Boker with AD Mortgage.
AD Mortgage approved one of my loans from application to Clear to Close for 7 days Only!
Simply Amazing and Highly Recommended!

Bissera A. Paskaleva
Posted to
06/14/2025

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

Excellent service. They helped me throughout the entire process, guiding me hand in hand. A great and fast team. They got me a lot of help so I could buy with the minimum cost possible. I’m very grateful. Thank you.

Daraily Simpson
Posted to
06/22/2025

Great experience! Was very overwhelmed and stressed with the lender I had. Decided to let them beat my objections and they did! Made my home buying process exciting instead of stressful!

Jacquelne Saylor
Posted to
06/24/2025

They helped with all the questions i had, they made me feel confident in knowing i was in good hands, and i needed anything to just reach out. I felt good about signing with them

Adam M Reyes
Posted to
07/16/2025

Very friendly and easy to work with! Made the process much more easy to negotiate!

Dana Strom
Posted to
08/01/2025

Working with A&D was an excellent experience! The process was smooth, everything was explained clearly, and the communication was outstanding. Xavier went above and beyond—he was incredibly responsive, always quick with answers, and made the entire process completely stress-free. I couldn’t have asked for a better loan officer. Highly recommend Xavier and the A&D team!

Irina Vasquez
Posted to
08/02/2025

I have done 2 deals with A&D and they have great service. Underwriting manager really went to bat for me on a file. I love working with A&D.

Rodney Debro
Posted to
08/03/2025

I have gone through six mortgage processes in my lifetime and AD Mortgage was the smoothest and most professional I have ever experienced. I highly recommend AD Mortgage for your next home!

Charles Gerstenecker
Posted to
09/05/2025

Need to say that the A&D Team always exceed expectations, Jason as always is a game changer, professional and always on top of things!! Ne never let me down!! Great teamwork!! Thank you!

Marcello de Albuquerque
Posted to
09/05/2025

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

I had an excellent experience working with my A&D Account Executive Kayla Torres throughout the loan process. From start to finish, she provided outstanding support, clear communication, and guidance every step of the way. They were always available to answer my questions, explained everything in detail, and made what could have been a stressful process feel smooth and manageable. Their professionalism, knowledge, and dedication truly went above and beyond my expectations. I’m very grateful for their help and would highly recommend her.

Thank’s

River A Valle Zamora
Posted to
09/09/2025

AD Mortgage has been an excellent lending partner. Their platform is efficient, their products are competitive, and the support we receive is second to none. A special thanks to our account executive, Kayla Torres, who consistently goes above and beyond to ensure our loans move smoothly. Her responsiveness and industry knowledge make a real difference in our business.

Michael Caroselli
Posted to
09/09/2025
We got more than 1,160 great reviews about our company
Read them on a platform that fits you
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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

ITIN

Min. FICO 660 Up to 70% CLTV
  • Min FICO 660 and up to 70% 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

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

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 
Non-QM Product Matrix Non-QM Overview

Prime Jumbo Blue

Min. FICO 660 Up to 89.99% CLTV
  • Loan amounts up to $3.5 million
  • DTI up to 50%
  • Cash out without limitations
  • Cash out up to 80% CLTV on Owner Occupied

Prime Jumbo Red

Min. FICO 720 Up to 80% CLTV
  • Loan amounts up to $3.5 million
  • DTI up to 50%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $806,500
  • 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 $806,500
  • 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 $806,500
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,209,750
  • 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%

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 $1,209,750
  • 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

ITIN

Min. FICO 660 Up to 70% CLTV
  • Min FICO 660 and up to 70% 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

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

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 
Non-QM Product Matrix Non-QM Overview
Jumbo

Prime Jumbo Blue

Min. FICO 660 Up to 89.99% CLTV
  • Loan amounts up to $3.5 million
  • DTI up to 50%
  • Cash out without limitations
  • Cash out up to 80% CLTV on Owner Occupied

Prime Jumbo Red

Min. FICO 720 Up to 80% CLTV
  • Loan amounts up to $3.5 million
  • DTI up to 50%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
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 $1,209,750
  • 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 Lien
Conventional

Conventional Standard

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $806,500
  • 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 $806,500
  • 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 $806,500
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $1,209,750
  • 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

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Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Closing

24 hours

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