Mortgage Program Built for Reality: AD Power Jumbo

Some borrowers have a strong profile and a real buying power – steady income, a 660+ FICO, and 10-15% down – but still don’t fit within traditional bank requirements.  

AD Mortgage’s new offering, AD Power Jumbo, is a program built for reality. It helps AUS-approved borrowers with elevated DTI, thin credit files, or those with just not quite 20% down qualify for a loan.  

AD Power Jumbo offers high CLTV, flexible DTI, loan amounts up to $5M (with 740+), and no MI. It also provides pricing flexibility through ARM choices (5/6, 7/6, and 10/6) for rate optimization.   

The program is an opportunity for approved partners to serve a wider range of clients and close larger deals. 

AD Power Jumbo: Perfect Match for Your Client

AD Power Jumbo provides several benefits that might be crucial for different types of borrowers. Find a perfect match and offer the best-fit solution for your client.

1. Large Loan Limits – Up to $5,000,000

Borrower profile: The Coastal Upsizer

This borrower is purchasing or refinancing a high-end property. They are financially solid and know what they want – one clean loan, not a first-and-second combo. What they need is a lender willing to go all the way to $5M. 

Perfect For:

• High-net-worth borrowers buying luxury homes  
• Coastal buyers in LA, SF, Miami, NYC, Boston, etc.  
• Refi clients with large balances who want to avoid restrictive bank portfolio guidelines

2. High CLTV – Up to 89.99%

Borrower profile: The Low-Down Buyer

This borrower has solid income and credit but is not sitting on significant cash reserves – or prefers to keep savings invested instead of putting 20% down. They want to buy a home sooner, and higher-CLTV flexibility lets them move forward with less cash upfront. 

Perfect For:

• Buyers with strong income but limited cash savings  
• Move-up homeowners leveraging equity from their current home  
• First-time buyers purchasing in high-cost metro areas

3. Mid-Range FICO Starting at 660

Borrower profile: The Near-Prime Buyer

They have steady income and solid reserves, but their FICO is in the mid-600s – strong, yet not enough for most traditional jumbo lenders. They are ready to buy and just need a program that doesn’t require 700+ to qualify.   

Perfect For:

• Credit-improving borrowers with solid income and reserves  
• Clients shut out of traditional jumbo programs that require 700-740+  
• Buyers with a minor recent credit event

4. High DTI – Up to 50% (≤$3.5M)

Borrower profile: The Income-Rich, Debt-Heavy Buyer

The borrower earns significant income but also carries large obligations, student loans, childcare, or financial support for family. They clearly can afford the mortgage, but most traditional jumbo programs would decline them due to elevated DTI. 

Perfect For:

• Professionals with high income and higher monthly obligations  
• Dual-income households in expensive metros  
• Borrowers with student loans, car leases, or private school costs 

AD Power Jumbo: When Strong Borrowers Deserve a YES

Guide clients who can afford homeownership but don’t fit into generalized bank boxes. With AD Power Jumbo, you can close deals fast and serve a wider range of borrowers. Learn more about the program and submit a scenario request here: https://admortgage.com/programs/ad-power-jumbo/