New UW Guidelines and Reduced Rates

September 12, 2019
New UW Guidelines and Reduced Rates

In an effort to make Non-Qm loans a whole lot easier, A&D Mortgage has made the following changes/additions to the guidelines.

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  • N/O/O with a DSCR of 1.15% will now be able to go 80% LTV !
  • We added a 1099 for income product which allows schedule C borrowers to qualify without tax returns!
  • Bank Statement products will now have 2 additional choices to qualify income in addition to a self-prepared P&L.
  • Borrowers can utilize a straight 50% Expense Ratio and not require a P&L OR borrowers can request an expense letter from their tax preparer or CPA explaining what the expense ratio is for their business.
  • *New to Bank Statement Program: *Qualified Paypal and Zelle deposits ok
  • Waive Escrow ok for O/O & SH transactions
  • No Credit Score OK!
  • New Construction PUDs up to 80% LTV (FL Max LTV 75%)
  • No seasoning requirements for Cash Out refinances
  • 100% Gift ok for Owner Occupied loans max LTV 80%
  • Overdraft Protection will NOT be counted as an NSF
  • POAs ok for O/O & SH
  • Asset Utilization can now do a Cash Out refinance transaction
  • Age of documents now allowable up to 120 days!

As a mortgage broker, your clients rely on your expertise to find them the best deals. Our Quick Pricer tool can be an invaluable asset in your quest to secure the most advantageous mortgage rates. Be sure to explore our Programs section for additional resources tailored to your needs. If you have specific scenarios in mind, don’t hesitate to request them; we’re here to assist you. And if you’re interested in joining forces to provide even more value to your clients, consider becoming a partner with us. Together, we can empower individuals and families to achieve their dreams of homeownership.

Carl Holman

Written by

Carl Holman

Communications Manager

As A&D Mortgage’s Communications Manager. Carl Holman has more than 20 years of expertise in marketing, media relations, and communications, having spent 10 years of his career in mortgage lending and real estate. He holds a Bachelor’s in Journalism and Mass Communications from the University of South Carolina.