A&D Mortgage recently updated its programs for FHA loans with a host of improvements. The new FHA loan features increase the eligibility of borrowers and lowering their monthly payments. This is excellent news for A&D’s Partners who will now have more flexibility in helping their clients to realize their dreams of homeownership.
Now, A&D Mortgage has made that process even more appealing. A&D relaxed some of the most challenging aspects of meeting FHA loan requirements. The goal of the changes is intended to boost the pipelines of their Partner brokers and MLOs.
Here are some of the key updates to A&D’s FHA loan features:
- Min FICO Now 580 – Improved borrower eligibility
- Manual Underwriting – More flexibility than automated guidelines with min FICO 620
- Multi-Wide Manufactured Homes – New property type is available
- Temporary Buydowns – Early year interest rate reductions
| Temporary Buydown | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| 3-2-1 | ⬇️ 3% | ⬇️ 2% | ⬇️ 1% |
| 2-1 | ⬇️ 2% | ⬇️ 1% | |
| 1-0 | ⬇️ 1% |
Added Function and Efficiency
These new features will be welcome additions to broker toolkits allowing them to attract a wider range of clients and meet their lending needs. They can stay within the A&D system with its lightning-fast turnaround times, great service, and broker resources like the AIM Partner Portal and ADvantage Loyalty Program.
A&D Mortgage’s lineup of FHA loan programs includes the FHA Standard, FHA High Balance, and the FHA Streamline Refinance options, each of which addresses the specific needs of individual borrowers. These programs provide brokers and mortgage loan originators (MLO) with the lending tools needed to assist borrowers.
A&D Mortgage continues to make strides in becoming a major player in the Government and Conventional mortgage sphere. The company leverages their network of thousands of brokers across the US and expanding their lending programs.
Long Lineup of FHA Loan Options
The FHA market accounted for nearly 20% of homebuyers in 2024 according to the US Department of Housing and Urban Development. FHA loans offer solutions for buyers with lower credit scores or less cash for down payments.
- FHA Standard loan program lends amounts of up to $524,000 with up to 97.75% LTV.
- A&D’s FHA High Balance program can accommodate loans up to $1.2 million for primary residents. This option works well for more expensive home purchases,
- For homeowners with existing FHA loans looking to secure better rates, A&D’s FHA Streamline Refinance program is an efficient solution. Streamline Refinance usually doesn’t require an appraisal for primary residences. This is an excellent mechanism for borrowers to reduce monthly payments.
Staying Focused on Service and Solutions
Despite all the changes in FHA loan guidelines for 2025, A&D Mortgage has once again proven to be equal to the task of adjusting their programs. Brokers and borrowers wanting to learn all about the FHA loans in 2025 are encouraged to check out our comprehensive rundown.
Take advantage of these new FHA opportunities and help your clients realize their dreams as you ramp up your business this year.
A&D Mortgage is firmly positioned as a one-stop mortgage lender. We provide a full range of products including FHA, Conventional, and Non-QM loans.
