Non-QM loans are steadily winning a larger share of the market. In 2025, approximately 698,000 Non-QM loans were originated, accounting for 10% of total mortgage originations. AD Mortgage, a top Non-QM lender, is one of the pioneers of this tendency. Starting today, we are offering new enhancements to our Non-QM offerings.
We have significantly expanded our leverage limits, introducing a powerhouse 85% СLTV for both Investment Properties and Second Homes, including Purchase and Rate-and-Term Refinance, for qualifiers with a 700+ FICO on Super Prime.
Submit a Scenario Request and our experts will contact you within 30 minutes with a tailored loan solution.
Super Prime Eligibility Updates
Investment and Second Home (Purchase, Rate-and-Term)
- FICO 720+: Max CLTV increased from 80% to 85%
- FICO 700-719: Max CLTV increased from 80% to 85%
- FICO 660-679: Max CLTV increased from 75% to 80%
Owner-Occupied (Cash-Out)
- FICO 640-659: Max CLTV increased from 65% to 70%
DSCR Eligibility Updates
Investment (Purchase, Rate-and-Term)
- FICO 680-699: Max CLTV increased from 75% to 80%
Investment (Cash-Out)
- FICO 700-719: Max CLTV increased from 65% to 70%
Close Non-QM Deals at Better Terms
Our enhancements, starting May 18, help our partners close a wider range of Non-QM deals, including complex scenarios. Explore our Non-QM Loan Page to find the right solution for your client or submit a Scenario Request to receive expert support in 30 minutes.
This Spring: Take an Extra 25 bps on ALL Non-QM Loans
Whether you are closing an ITIN or any other Non-QM loan deal, don’t miss this limited-time offer – only this spring, get an EXTRA 25 bps on all Non-QM loans in the following states:
Arizona, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Maryland, Massachusetts, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington
Submit a program request to lock the improved pricing today:
SUBMIT A PROGRAM REQUEST HERE
