Apex Prime: Top-Tier Non-QM Pricing

4.8 Stars | 1216 reviews

4.8 Stars | 101 reviews

Apex Prime:
Top-Tier Non-QM Pricing
Available for eligible Bank Statement, Full Doc,

1099, and Asset Utilization loans

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Benefits & Features

Significant Price Improvement

Even stronger than Super Prime

SFR/PUD/2-4 Units

With FICO 680+, <45% DTI,
24-month сlean history

Various Doc Types

Full Doc/Bank Statement/Asset Utilization/1099

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Apex Prime Essentials

Business Channels

Wholesale, Correspondent,
Correspondent Plus

Programs

12/24 Bank Statement, 1Y & 2Y Full Doc,
1099, Asset Utilization

Property Types

Single-Family Residence,
PUD, or 2-4 Units

Loan Amount

Maximum loan amount $3M standard, $5M available only at
CLTV<=55 on purchase. FTHB loan amount is up to $2M

Non-QM AUS supported

Run Non-QM AUS for eligible Apex Prime loans.
Generate automated conditions instantly

Available Non-QM Programs

Programs

Non-QM

12/24 Month Bank Statement

No Score or FICO 620 Up to 90% CLTV

A perfect fit for self-employed borrowers
- Personal, business, or combined bank statements
- Min. 3 months of reserves
- Concierge Service for income calculation
- Min. FICO 620 or no score; for I/O Min. FICO 680 & FTHB no allowed
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1Y or 2Y Full Doc Non-QM

No Score or FICO 620 Up to 90% CLTV

A flexible Non-QM solution for Full Doc borrowers
- Loan amounts up to $4 million
- DTI up to 55% on owner-occupied
- Min. 3 months of reserves
- Min. FICO 620 or no score; for I/O Min. FICO 680 & FTHB no allowed
Learn More
Asset Utilization

Min. FICO 620 Up to 80% CLTV

A great solution for borrowers with liquid assets: retirees, investors, and the self-employed
- Qualifying assets / 60 months
- Min. 3 months of reserves
- Loan amounts up to $4 million
- Qualifying assets are 100% cash or money market, 100% from public securities, or 80% from retirement accounts
Learn More
1099

No Score or FICO 620 Up to 85% CLTV

An ideal loan for sole proprietors or contract individuals
- 1099s for the last 1 year
- 1-year history with the same employer
- Gift funds allowed
- Loan amounts up to $4 million
Learn More

All Programs

Best-Fit Borrowers for Apex Prime

Self-Employed Borrowers

Best-fit programs: Full Doc, Bank Statement. Some self-employed borrowers qualify using tax returns, while others benefit from using 12 or 24 months of bank statements. Apex Prime supports both documentation options, giving eligible borrowers access to improved Non-QM pricing.

1099 Contractors

Best-fit program: 1099. Contractors and consultants often have income that is easy to document through 1099 earnings. With AD Mortgage, these borrowers can benefit from improved pricing without W-2 income.

Asset-Rich Borrowers

Best-fit program: Asset Utilization. Retirees and investors often have substantial assets despite limited traditional income. Apex Prime allows eligible borrowers to qualify through Asset Utilization, helping turn accumulated assets into qualifying income.

Apex Prime Stands Out

Discover how Apex Prime can work for your borrowers. Contact us and hear back within 30 minutes.

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Apex Prime Programs

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Apex Prime Eligibility Comparison

Explore how Apex Prime differs from Prime and Super Prime across credit, reserves, housing history, property types, and loan guidelines

CRITERION	PRIME	SUPER PRIME	APEX PRIME
Max Loan Amount	$1,500,000 (FTHB 1M)	$4,000,000 (FTHB 1M)	$3M \| $5M ≤55% (FTHB 2M)
Max CLTV (Owner Occ.)	80%	90%	80%
Max CLTV (2nd Home / Inv.)	80%	85%	75%
Min FICO	620 / No FICO	620	680
Max DTI	55%(OO, P/RT, FICO 680, CLTV 80%, LA 1M)	55%(OO, P/RT, FICO 680, CLTV 80%, LA 1M)	45%
Mortgage History	0×60×12	0×30×12	0×30×24 (rent free not allowed)
Credit Events (BK/FC/SS)	>12 months	>48 months	>48 months
Residual Income	$1,500 / mo	$2,000 / mo	$2,000 / mo
Tradelines	Limited allowed	Standard	Standard
Condos / Condotels / Rural	Allowed	Allowed	Ineligible
Reserves	3M min	3M min	6M min (24M for 4-5M LA)
P&L / WVOE Income	Allowed	Allowed	Not Allowed
ITIN	Not Allowed	Allowed	Not Allowed
IO / ARM	Allowed	Allowed	Not Allowed

FAQ: Apex Prime by AD Mortgage

1. What is Apex Prime?

Apex Prime is an advanced pricing tier for eligible AD Mortgage Non-QM loan programs. With Apex Prime, eligible high-credit borrowers can achieve significant price improvements.

2. What Non-QM programs are eligible for Apex Prime?

Bank Statement, Full Doc Non-QM, 1099, and Asset Utilization Non-QM loans are eligible for Apex Prime.

3. What channels are available?

Wholesale, Correspondent, and Correspondent Plus channels are available for Apex Prime.

4. What is the maximum loan amount to qualify for Apex Prime?

As standard, the maximum loan amounts are $3 million for repeat borrowers and $2 million for first-time homebuyers. However, higher amounts – up to $5 million – might be available for eligible purchase transactions with a CLTV of 55% or lower.

5. What are the best borrower fits for Apex Prime?

Apex Prime improves loan terms for those borrowers who already made it to the top – have strong credit, a clean housing history, lower leverage, and manageable DTI. The best Apex Prime fit is for individuals purchasing or refinancing single-family residences, PUDs, or 2-4 unit properties through qualifying Non-QM programs.

6. Why use Apex Prime?

Apex Prime helps partners offer eligible borrowers improved pricing, providing a significant competitive advantage and strengthening relationships with their trusted clients.

7. What types of transactions are eligible for Apex Prime?

Both purchase and refinance transactions are eligible for Apex Prime.

8. What property types are eligible?

Single-family residences, PUDs, and 2-4 unit properties can be eligible, as long as they meet the Apex Prime guidelines.

9. What credit score is required for Apex Prime?

680 is a minimum FICO score required to qualify for Apex Prime.

10. What debt-to-income ratio is allowed?

45% is a maximum DTI allowed for Apex Prime.

11. What income documentation options are available?

Under Apex Prime, eligible borrowers can qualify through Full Doc, Bank Statement, 1099, and Asset Utilization Non-QM programs.

12. Is Apex Prime available for self-employed borrowers?

Yes. For self-employed borrowers, Apex Prime is available through eligible Bank Statement or Full Doc Non-QM programs.

13. Can independent contractors use Apex Prime?

Yes. Independent contractors may be eligible through the 1099 Non-QM program if they have qualifying 1099 income.

14. Is Asset Utilization eligible for Apex Prime?

Yes. Borrowers meeting all Apex Prime requirements may be eligible for Asset Utilization loans.

15. Can Apex Prime be used for investment properties?

Yes. Apex Prime is available for investment property transactions if the borrower qualifies under the program guidelines and CLTV limits.

16. Are first-time homebuyers eligible?

Yes. First-time homebuyers may be eligible for Apex Prime, with loan amounts available up to $2 million.

17. Does Apex Prime support Non-QM AUS?

Yes. Eligible Apex Prime loans can be proceeded through AD Mortgage’s Non-QM AUS.

18. What are the benefits of using Non-QM AUS with Apex Prime?

Non-QM AUS is an award-winning solution that provides automated conditions, a faster pre-approval process, and a more efficient submission workflow for eligible loans.

19. Is a housing history requirement applicable?

Yes. A clean 24-month housing payment history is required. Rent-free situations are not eligible.

20. Are condos eligible for Apex Prime?

No. Condos, condotels, and rural properties are not eligible under Apex Prime guidelines.

Why We Are Trusted

I send all of my Non‑QM deals to AD because we’re able to close quickly, and the underwriters provide fast, reliable turn times. That level of efficiency has truly helped me become a top producer at my branch.
What I value most isn’t just the new information that we get to take back to our team, but also the networking. At the end of the day, your network really is your net worth.

Genessys Ornelas

Mortgage broker

1:12

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And what I love the most is that you guys are listening. You value what we are telling you, as partners, and it’s so important because you’re hearing us and you’re making changes for that growth.

Tara Hickey

Senior Vice President

1:43

Watch video

Quick Pricer is one of my favorite tools to use just to see what the rates are or whether we can offer that program to the client at the beginning. Also, the account executives are great – they’re always there to answer questions.

Rudy Garcia

Mortgage broker

1:38

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The main thing with AD is that you guys do the deals that nobody else does. When you’re in the Non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.

Ernesto Alum

Loan Officer

2:16

Watch video

Great to work with!

Tyshauna Butts

Posted to

08/05/2026

AD Mortgage is truly a one-stop shop for anything mortgage-related. From the initial application through closing, Sam and the team were professional, responsive, and knowledgeable at every step. This was our first condo purchase in Las Vegas. They made what’s usually a stressful process feel smooth and straightforward, answering every question quickly and clearly. It’s easy to see why they’re recognized as a top wholesale lender — their communication and expertise stood out from start to finish. I highly recommend AD Mortgage to anyone seeking a lender who genuinely cares about getting the job done right.

Christopher Turner

Posted to

07/17/2026

Mark Glaser and the entire AD Mortgage Team is very responsive and great to deal with! Highly recommend them! They also have unique programs which are required now. Thank You Mark and AD Team!

Manola Kozar

Posted to

07/31/2026

Great experience, fast close! Awesome customer service! Thank you

Edit Benyi

Posted to

07/13/2026

I have been in the business for 23 Years, this lender doesn’t play games, ctc in 12 days! Thank you!

Fernando Gomez

Posted to

07/14/2026

I am a broker and have used AD mortgage on various occasions and EVERY single time they deliver for our clients. Awesome company.

dax riley

Posted to

07/08/2026

A&D Mortgage is hands down one of the most reliable Non-QM lenders in the industry and I say this without mincing words.

james olawaye

Posted to

07/06/2026

AD Mortgage is great to work with… Experienced AE’s and UW team that understands Guidelines and good communication.

Matthew Thorne

Posted to

06/15/2026

A&D Mortgage has it all! Great programs, ease of use system, speed with customer service, and a great team of underwriters and closers. I am fortunate to have Eric Clark as my AE as he is the reason for providing me with great education and guidance all things A&D Mortgage has to offer. Highly recommend A&D Mortgage to my co-workers and peers.

Jeff Chard

Posted to

06/09/2026

I just closed a loan with AD Mortgage, and I couldn’t be more impressed with the experience. Their technology, service, communication, and overall process were excellent from start to finish. My borrower was truly impressed as well, which says a lot.
From beginning to close, everything ran smoothly and efficiently. A special shoutout to my Account Executive, Alana—her communication throughout the entire process was second to none. She stayed on top of every detail and made sure everything moved forward seamlessly.

Looking forward to working with this team again!

Fidel Mazon

Posted to

05/06/2026

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen

Posted to

04/11/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo

Posted to

09/09/2025

Genessys Ornelas

Mortgage broker

1:12

Watch video

Tara Hickey

Senior Vice President

1:43

Watch video

Rudy Garcia

Mortgage broker

1:38

Watch video

Ernesto Alum

Loan Officer

2:16

Watch video

Great to work with!

Tyshauna Butts

Posted to

08/05/2026

Christopher Turner

Posted to

07/17/2026

Mark Glaser and the entire AD Mortgage Team is very responsive and great to deal with! Highly recommend them! They also have unique programs which are required now. Thank You Mark and AD Team!

Manola Kozar

Posted to

07/31/2026

Great experience, fast close! Awesome customer service! Thank you

Edit Benyi

Posted to

07/13/2026

I have been in the business for 23 Years, this lender doesn’t play games, ctc in 12 days! Thank you!

Fernando Gomez

Posted to

07/14/2026

I am a broker and have used AD mortgage on various occasions and EVERY single time they deliver for our clients. Awesome company.

dax riley

Posted to

07/08/2026

A&D Mortgage is hands down one of the most reliable Non-QM lenders in the industry and I say this without mincing words.

james olawaye

Posted to

07/06/2026

AD Mortgage is great to work with… Experienced AE’s and UW team that understands Guidelines and good communication.

Matthew Thorne

Posted to

06/15/2026

Jeff Chard

Posted to

06/09/2026

Looking forward to working with this team again!

Fidel Mazon

Posted to

05/06/2026

Anne Nguyen

Posted to

04/11/2026

Drimar Castrillo

Posted to

09/09/2025

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4.8 Stars | 1216+ reviews

4.8 Stars | 101+ reviews

Why Choose AD Mortgage?

20 years

of mortgage experience

9,000+ partnering

brokerage companies

innovating the future of mortgage technology

49 states

from coast to coast

30 mins

response time

‘The most qualified borrowers often have the most options. Apex Prime is our response to that, giving our partners a stronger pricing advantage when competing for high-credit borrowers.’

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Share the Details – We’ll Run Your Scenario

Thank you!

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Apex Prime Essentials

Business Channels

Programs

Property Types

Loan Amount

Non-QM AUS supported

Available Non-QM Programs

Programs

12/24 Month Bank Statement

1Y or 2Y Full Doc Non-QM

Asset Utilization

1099

Apex Prime Stands Out

Apex Prime Eligibility Comparison

FAQ: Apex Prime by AD Mortgage

1. What is Apex Prime?

2. What Non-QM programs are eligible for Apex Prime?

3. What channels are available?

4. What is the maximum loan amount to qualify for Apex Prime?

5. What are the best borrower fits for Apex Prime?

6. Why use Apex Prime?

7. What types of transactions are eligible for Apex Prime?

8. What property types are eligible?

9. What credit score is required for Apex Prime?

10. What debt-to-income ratio is allowed?

11. What income documentation options are available?

12. Is Apex Prime available for self-employed borrowers?

13. Can independent contractors use Apex Prime?

14. Is Asset Utilization eligible for Apex Prime?

15. Can Apex Prime be used for investment properties?

16. Are first-time homebuyers eligible?

17. Does Apex Prime support Non-QM AUS?

18. What are the benefits of using Non-QM AUS with Apex Prime?

19. Is a housing history requirement applicable?

20. Are condos eligible for Apex Prime?

Why We Are Trusted

Why Choose AD Mortgage?

20 years

9,000+ partnering

49 states

30 mins

Don't Hesitate to Write Us

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