“New Year, New Savings”: Unlock $500 in Appraisal Credits on Super Prime and DSCR Refinances

As we enter 2025, A&D Mortgage is making it easier than ever to save on refinancing with an exclusive promotion: a $500 appraisal credit for qualified Rate-and-Term refinance loans under our Super Prime and DSCR loan programs. This limited-time offer runs from January 6 to January 19, 2025, and is designed to help brokers and borrowers reduce upfront costs and take advantage of refinancing opportunities – a compelling incentive to start the year off right.

It’s easy for existing Partners, just log into AIM Partner Portal, submit the loan, and the discount will be automatically applied. And, if you aren’t a Partner already, join our network today.

What You Need to Know About the “New Year, New Savings” Promotion

Here are the key details of this exciting offer.

What’s the Offer?

Borrowers can receive up to a $500 discount on appraisal fees when refinancing through A&D Mortgage.

Eligibility Criteria

• Super Prime Loans. Minimum FICO score of 700
• DSCR (Debt Service Coverage Ratio) Loans. Minimum FICO score of 700 and a DSCR ≥ 1, including for Foreign Nationals

Loan Type

Rate-and-Term refinance loans only

Promotion Dates

January 6 – January 19, 2025

You can learn more at our dedicated promo page

Why Appraisal Credits Matter

Appraisal fees are a necessary part of the refinancing process, ensuring that the property value supports the loan amount. However, these fees can add significant upfront costs, which may deter borrowers from pursuing refinancing. By offering a $500 appraisal credit, A&D Mortgage is removing a common financial hurdle, empowering borrowers to take steps toward financial stability with greater ease.

How Brokers Can Leverage This Offer

This promotion is a win-win for brokers and their clients. For brokers, it’s an excellent opportunity to demonstrate value by reducing upfront costs for borrowers, making refinancing more accessible. By promoting this offer, brokers can:

1. Attract More Clients. Highlight the savings opportunity in your marketing materials to capture interest.
2. Encourage Refinancing. Use the appraisal credit to incentivize clients considering Rate-and-Term refinancing.
3. Strengthen Client Relationships. Offering cost-saving options builds trust and positions you as a knowledgeable advisor.

How to Take Advantage of the Promotion

To qualify for the $500 appraisal credit, brokers must submit a new Rate-and-Term refinance loan application via AIM under the Super Prime or DSCR programs between January 6 and January 19, 2025. It’s important to note that this promotion applies only to new submissions and is not valid for existing loan applications.

Start Saving Today

The New Year is a time for fresh starts, and A&D Mortgage’s “New Year, New Savings” promotion makes it easy to start 2025 on the right financial footing. By reducing appraisal fees, this offer helps borrowers access the benefits of refinancing without the stress of high upfront costs.

Ready to learn more? Visit our promo page or contact your A&D Mortgage Account Executive today to explore how you can save with this limited-time offer.

Legal Disclaimer

The appraisal fee discount of up to $750 applies exclusively to new Super Prime and DSCR loan submissions made between January 6, 2025, and January 19, 2025. This promotion is only available for Rate-and-Term refinance transactions.

To qualify for Super Prime pricing, loans must meet applicable underwriting guidelines, including but not limited to:

• A minimum FICO score of 700.

For DSCR (Debt Service Coverage Ratio) loans, the following conditions apply:

• A minimum FICO score of 700.
• DSCR ≥ 1.
• Borrowers can be Foreign Nationals

The appraisal fee discount cannot exceed $500. If the appraisal fee is less than $500, the discount will equal the appraisal fee amount. This offer is not valid for any other types of transactions, including existing loan submissions.

This promotion cannot be combined with any other offers, discounts, or rewards from the Advantage loyalty program. All loans are subject to A&D Mortgage’s standard underwriting procedures and approval.

Terms, conditions, and restrictions may apply. A&D Mortgage reserves the right to modify or discontinue this offer at any time without prior notice. Not all applicants will qualify. A&D Mortgage is an Equal Housing Lender. NMLS #958660