Non-QM Savings as Strong as a Nor’easter

A&D Mortgage, a leader in innovative mortgage solutions, is excited to launch an exclusive spring promotion that brings forth a powerful surge of savings reminiscent of a Nor’easter. Designed specifically for the dynamic Northeast real estate market, this limited-time offer, running from April 15 to May 31, 2024, provides mortgage brokers and their clients with a unique opportunity to capitalize on competitive advantages and significant financial benefits.

Under the terms of the promotion, eligible mortgage brokers can extend to their clients a special 0.375 price improvement for all Non-Qualified Mortgage (NQM) loans with a loan-to-value (LTV) under 80% and a FICO score of 680 or higher. This opportunity is targeted at selected Northeast states, including New Hampshire, Maine, Vermont, Massachusetts (investment loans only), Connecticut, Delaware, Maryland, and Pennsylvania, excluding Rhode Island and non-investment loans outside of Massachusetts.

Exclusive Offer Highlights:

• Geographical Focus: Dive into the heart of the Northeast with special rates for properties in New Hampshire, Maine, Vermont, Massachusetts, Connecticut, Delaware, Maryland, and Pennsylvania. A golden opportunity to anchor investments in some of the most desirable locations.
• FICO Friendly: Rewarding strong credit, this offer extends a substantial 0.375 in price credit for clients with a FICO score of 680 and above.
• LTV Advantage: Available for all loans under 80 LTV, ensuring a broader range of investment opportunities.
• Product Specificity: Exclusively for Non-QM transactions, encompassing all types of residences. It’s the niche advantage your clients have been waiting for.
• Massachusetts Special: Tuned to the pulse of investment trends, this promo is uniquely crafted for investment loans in Massachusetts, unlocking exclusive access to one of the most vibrant real estate markets in the Northeast.
• Duration: This offer is as fleeting as the spring breeze, available from April 15th until May 31st. It’s a window of opportunity that’s open just for the season.

Why is this important for your clients? In a landscape where every little saving counts and every strategic advantage matters, this promotion is designed to not only enhance their investment portfolio but also to provide a cushion of savings in these economically challenging times.

How to Leverage This Offer:

1. Assess Your Portfolio: Identify clients looking to invest in the specified Northeast states, especially those eyeing Massachusetts for investment properties.
2. Credit Score Check: Ensure your clients meet the 680+ FICO criteria to take full advantage of this offer.
3. Advise on LTV Ratios: For optimal savings, guide your clients towards maintaining their LTV under 80%.

This Season of Savings is not just a promotion; it’s a springboard for your clients to leap into exceptional investment opportunities with the backing of significant savings. Let’s make this spring a turning point towards prosperity and growth.

Promotion Legal Disclaimer

This promotional offer (“Promotion”) is brought to you by A&D Mortgage, LLC (“Company,” “we,” “us,” “our”). Participation in this Promotion is subject to the following terms and conditions. By participating, participants (“Participants,” “you”) agree to these terms.

1. Eligibility: This Promotion is open to qualified mortgage brokers and their clients within the states of New Hampshire, Maine, Vermont, Massachusetts (investment loans only), Connecticut, Delaware, Maryland, and Pennsylvania. Participants must be 18 years of age or older and must meet all applicable underwriting criteria, including a minimum FICO score of 680 and loan-to-value (LTV) ratios under 80%. The Promotion is specifically for Non-Qualified Mortgage (NQM) loans, encompassing all transaction types and residences, with the exception of Rhode Island (RI) and non-investment loans outside of Massachusetts. Loans must be locked within the promotion period of April 15 – May 31, 2024.
2. Promotional Period: This Promotion is valid from April 15th, 2024, to May 31st, 2024. Applications received outside this period will not qualify for the Promotion.
3. Offer Details: Eligible participants will receive a special price improvement of 0.375. This offer is non-transferable, cannot be combined with any other offer, and is subject to change or cancellation without notice.
4. Restrictions: This Promotion is not applicable where prohibited by law, taxed, or restricted. Participants are responsible for all federal, state, and local taxes associated with receipt of the offer. The Promotion is subject to all applicable federal, state, and local laws and regulations.
5. Disclaimer of Warranties: The Company makes no warranties, and hereby disclaims any and all warranties, express or implied, concerning any prize furnished in connection with the Promotion. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, SUCH PRIZES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND THE PROMOTER HEREBY DISCLAIMS ALL SUCH WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT.
6. Limitation of Liability: The Company is not responsible for any incorrect or inaccurate information, whether caused by website users, typographical errors, or by any of the equipment or programming associated with or utilized in the Promotion. The Company assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft, or destruction or unauthorized access to, or alteration of applications. The Company is not responsible for any problems, failures, or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, email, players, or browsers, on account of technical problems or traffic congestion on the Internet, at any website, or on account of any combination of the foregoing.
7. Governing Law: This Promotion and any action related thereto shall be governed, construed, and interpreted under the laws of the State of Florida, without regard to its conflict of laws principles.

This disclaimer does not affect any statutory rights that cannot be waived or limited by contract. For more information or questions regarding this Promotion, please contact marketing@admortgage.com.

By participating in this Promotion, you acknowledge that you have read and agree to be bound by these terms and conditions and by the decisions of A&D Mortgage, which are final and binding in all respects.