A&D Mortgage offers a range of financing solutions for new and established non-warrantable condominiums for borrowers who don’t meet Fannie Mae’s requirements. Our expanded guidelines differ from Fannie Mae by reducing capital reserves requirements, allowing for more investment properties to be sold, and available to both new and existing projects. This provides stress-free, hassle-free mortgage options that let your clients secure more condo loans – even for LTVs up to 90%.

Limited Review Highlights 

• Owner Occupied – 75% LTV
• Second Home- 70% LTV
• Non-Owner Occupied – 70% LTV
• No Capital Reserves Requirement
• No HOA Dues Requirement
• No Investment Concentration Requirement
• No Requirement on Developer Ownership Interest

Full Review Highlights

• Maximum allowable LTV
• Owner Occupied > 75% LTV
• Second Home> 70% LTV
• Non-Owner Occupied > 70% LTV
• Capital Reserves Requirement= 8%
• Investor Concentration = Max 75%

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.