Your April Purchase Pipeline Just Got More Competitive 

We know that in today’s purchase market, every basis point matters. That’s why this April, AD Mortgage is offering its partners a competitive advantage: 25 bps off all Conventional and Government Purchase Loans for every lock date from April 1 through April 30.  

This is a straightforward opportunity to make the deals work better for your clients – don’t miss it. 

Offer Highlights

• 25 bps improvement on all Conventional and Government Purchase Loans 
• Applies to purchase transactions only 
• Valid for all lock dates from April 1 through April 30 

Which Borrower Profiles Benefit Most

The pricing improvement applies broadly, but certain client scenarios stand to gain the most. Are any of these in your pipeline already? 

First-time homebuyer with limited down payment

Best-fit programs: Freddie Mac HomeOne, Fannie Mae HomeReady, Freddie Mac Home Possible, Conventional Standard. 

These borrowers are typically rate- and cash-sensitive, entering the deal with limited room for payment growth or extra costs. AD Mortgage’s low-down-payment conventional loan options allow 97% CLTV and loan amounts up to $832,750. The 25 bps improvement directly reduces pressure on the monthly payment structure, making qualifying more comfortable and the offer more competitive. 

Payment-sensitive conventional purchase borrower

Best-fit programs: Conventional Standard, Fannie Mae HomeReady, Freddie Mac Home Possible. 

This is a broad, high-volume purchase profile. These borrowers may already qualify conventionally, but they are watching affordability closely. AD Mortgage’s Conventional Standard allows up to 97% CLTV and DTI per AUS. So, this borrower usually qualifies cleanly but still benefits from improved pricing on their monthly payment. 

FHA purchase borrower with tighter credit or lower cash reserves

Best-fit programs: FHA Standard, FHA High Balance. 

FHA borrowers are often affordability-sensitive. Our FHA loan options include a minimum FICO of 580 and up to 96.5% CLTV, which aligns well with buyers who need more room in the loan structure. The April pricing improvement gives these clients a tangible cost reduction at a stage where every basis point counts. 

VA-eligible purchase borrower

Best-fit program: VA Standard. 

This program allows 580 minimum FICO, up to 100% CLTV, and requires no down payment, meaning the borrower already has a favorable purchase structure. The April offer gives partners one more immediate reason to bring these files in now. 

High-balance purchase borrower in a high-cost market

Best-fit programs: Conventional High Balance, FHA High Balance. 

Conventional High Balance goes up to $1,249,125 per county with 95% CLTV and DTI per AUS, while FHA High Balance reaches up to $1,249,125 in high-cost areas with 580 minimum FICO and up to 96.5% CLTV. For partners whose borrowers need more loan capacity than standard limits allow, the April promo improves overall deal economics on larger purchase transactions. 

How to Lock the Promo Rate

Getting the improved pricing is straightforward:

1. Log in to the AIM Partner Portal 
2. Lock an eligible Conventional or Government Purchase loan with a lock date in April 
3. Done – the improved pricing applies automatically 

Note: this offer is available for Approved Partners only. 

Not an AD Mortgage partner yet? This might be a great time to change that – and start April with better pricing from day one. 

Make the Most of April

25 bps can be the difference between a deal that closes and one that does not. Check your pipeline for eligible purchase scenarios and lock before April 30. 

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