AD Mortgage
A TOP Non-QM Lender

Grow your business with DSCR,
Bank Statement, ITIN, and more!

Programs

See what Non-QM programs we have

Pros & Cons

Explore the pros and cons of Non-QM loans

Guidelines

Check out our up-to-date Non-QM guidelines

FAQ

Answering your Non-QM questions

Your Trusted Partner
for Non-QM Loans

With 20 years of expertise in the mortgage industry, AD Mortgage offers flexible Non-QM loans tailored to borrower needs, helping your business grow

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Top DSCR
Lenders
Scotsman Guide
Top Non-QM Lender
in the US
Scotsman Guide
Originator Choice Awards National Mortgage
Professional
National Winner
for AI in Mortgage
Globee Awards
Tech
Trendsetter
HousingWire
Stevie Winner: Innovating
Mortgage Technologies
Stevie Awards
Top Bank Statement
Lenders
Scotsman Guide
Top DSCR
Lenders
Scotsman Guide
#1 Non-QM Lender
in the US
Scotsman Guide

AD Mortgage’s
Non-QM Loan Program

As one of the top Non-QM mortgage lenders, we empower brokers with competitive non-qualified mortgage programs designed to close deals faster

DSCR

Min. FICO 620 Up to 80% CLTV

Help your investor clients purchase or refinance rental properties with AD Mortgage’s DSCR loan program. A debt service coverage ratio loan uses the property’s rental income to qualify, without personal income or employment verification. Explore options for long-term and short-term rentals, subject to program guidelines.

Why choose our DSCR program?
  • First-time homebuyers allowed
  • No ratio loans
  • Higher FICO for multiple borrowers
  • Rent-free borrowers allowed
  • DSCR Below 1 on LTV 75% or less
  • New lease on purchase and refinance allowed
  • Short-term rentals up to 80% CLTV
  • Improved pricing for DSCR > 1.25
More about DSCR loan
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Program request

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12/24 Month Bank Statement

No Score or FICO 620 Up to 90% CLTV

Available on Prime, Super Prime, and Apex Prime


Our 12/24 Month Bank Statement Loan is a perfect Non-QM loan for the self-employed in 2026. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.

Program features
  • Loan amount up to $4 million
  • DTI up to 55%
  • Min. 3 months of reserves required
  • Mortgage history 0 x 60 x 12, 0 x 30 x12, 0 x 90 x 24
Why choose our 12/24 Month Bank Statement?
  • Free service to calculate income
  • Combined statements accepted
  • No tax returns required
More about 12/24 Month Bank Statement loan
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Program request

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ITIN

Min. FICO 660 Up to 80% CLTV

Available on Prime, Super Prime, and DSCR


Our ITIN home loan program lets your borrowers finance a home using an Individual Taxpayer Identification Number (tax ID number) instead of a Social Security Number. Built for brokers serving non-U.S. citizens and foreign nationals, ITIN mortgage loans open homeownership to qualified borrowers with no SSN — primary, second home, or investment. Grow your pipeline with a flexible ITIN loan program backed by 24-hour turn times.

Program features
  • Min FICO 660 and up to 80% CLTV for Super Prime
  • Min FICO 700 and up to 70% CLTV for DSCR
  • Loan amounts up to $1.5 million
  • A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
  • As little as 3 months of reserves
Why choose our ITIN?
  • Primary residence & investment allowed
  • DSCR allowed
  • Alt docs allowed
More about ITIN loan
download

Download program PDF

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Program request

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Foreign National DSCR

No Score or FICO 660 Up to 75% CLTV
See Programs

Foreign National Full Doc

No Score or FICO 660 Up to 75% CLTV
See Programs

1Y or 2Y Full Doc Non-QM

No Score or FICO 620 Up to 90% CLTV
See Programs

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
See Programs
All Programs

Your Non-QM Loan Toolkit

Guidelines
Program Submission Checklists

What You Need to Know About Non-QM Loans

Pros

Cons

  • Wide range of borrowers

    Non-QM loans are suitable for the self-employed, investors, and foreign nationals

  • 10 tailored programs

    Including your favorites: 12/24 Month Bank Statement loans and DSCR loans

  • Flexible underwriting

    Non-QM loans skip the strict credit, down payment, debt-to-income (DTI) ratio requirements

  • Various loan purposes

    Investment properties, second homes, and even unique scenarios

  • Apex Prime

    Top-tier Non-QM pricing designed to strengthen your competitive edge.

  • Not all lenders offer non-QM loans

    We do — as the #1 Non-QM Lender ranked by Scotsman Guide

  • Long process

    At AD Mortgage we offer the fastest turnaround times in the mortgage industry

  • Complex loan management

    Easy to avoid with our AIM Partner Portal, providing a clear pipeline for every loan

Calculate First Ready to Apply

“The demand for Non-QM products has surged, particularly as more borrowers seek flexible options outside conventional loans.
As a TOP Non-QM lender, we are proud to offer diverse solutions
for borrowers who fall outside traditional
qualification
standards.”

How to Submit and Close
Non-QM Loans with Ease

Leverage AIM — the Partner Portal with AI-powered features and tools for fast closings

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ACCESS AIM

Not a partner yet?

Take advantage of all the features and tools to streamline your workflow

Become a partner

Why Choose AD Mortgage for Non-QM Lending?

Partner with AD Mortgage today and explore the benefits of non-QM lending with a team that understands your needs. From non-qualified mortgage solutions to tailored support, we’re here to help you succeed in the non-QM space

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Flexible Solutions

Tailored Non-QM home loans
for self-employed, investors,
and unique financial profiles.

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Fast Approvals

Streamlined process
with clear
Non-QM loan requirements.

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Partner Support

Dedicated team to guide you
through every step of Non-QM lending.

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Tech for Growth

Innovations that keep you ahead
in Non-QM mortgages.

GET STARTED

Loan Tool

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Get detailed information on your potential loan

Quick Pricer

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