Apex Prime

Q: What is Apex Prime?

Apex Prime is a new, enhanced version of Super Prime. It allows AD Mortgage’s partners to offer significant price improvement to eligible borrowers with strong profiles.

Q: Who Can Qualify for Apex Prime?

Apex Prime is available for borrowers with strong credit, lower CLTV, manageable DTI, and a clean housing history. If you have a client like that, you can apply Apex Prime in AIM during the program selection stage.

Q: What Non-QM Programs are Eligible for Apex Prime?

Apex Prime works with first-lien Bank Statement, Full Doc Non-QM, 1099, and Asset Utilization Non-QM loans.

Q: What Channels are Available?

Apex Prime is available across Wholesale, Correspondent, and Correspondent Plus channels.

Q: What is the Maximum Loan Amount to Qualify for Apex Prime?

Generally, the maximum loan amount is $3 million. However, higher amounts of up to $5 million are available on purchases at CLTV ≤ 55%. For first-time homebuyers, the maximum loan amount available is $2 million.

Q: Why Use Apex Prime?

Apex Prime helps partners build trust and connections with their clients. Now, those borrowers who already have strong profiles can benefit from improved pricing.

Q: What are the Best Borrower Fits for Apex Prime?

Apex Prime is designed for eligible borrowers with strong profiles who are purchasing or refinancing single-family residences or PUDs using eligible Non-QM loan programs.

4.8 Stars | 1164 reviews

4.7 Stars | 100 reviews

Apex Prime:
Top-Tier Non-QM Loans
Win High‑Credit Deals with New Pricing Power

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Benefits & Features

Significant Price Improvement

Even stronger than Super Prime

SFR/PUD Non-QM Loans

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

Liens & Programs

First liens: 12/24 Bank Statement / 1Y or 2Y Full Doc / 1099 / Asset Utilization

Property Types

Single-Family Residence (SFR)/Planned Unit Development (PUD)

Loan Amount

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

Availability

All states where Super Prime is active, subject to standard state-level restrictions

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
Learn More
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 70% 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

How Apex Prime Stands Out

Check out how it differs from Super Prime and Prime!

SEE COMPARISON

FAQ: Apex Prime by AD Mortgage

What is Apex Prime?

Apex Prime is a new, enhanced version of Super Prime. It allows AD Mortgage’s partners to offer significant price improvement to eligible borrowers with strong profiles.

Who Can Qualify for Apex Prime?

Apex Prime is available for borrowers with strong credit, lower CLTV, manageable DTI, and a clean housing history. If you have a client like that, you can apply Apex Prime in AIM during the program selection stage.

What Non-QM Programs are Eligible for Apex Prime?

Apex Prime works with first-lien Bank Statement, Full Doc Non-QM, 1099, and Asset Utilization Non-QM loans.

What Channels are Available?

Apex Prime is available across Wholesale, Correspondent, and Correspondent Plus channels.

What is the Maximum Loan Amount to Qualify for Apex Prime?

Generally, the maximum loan amount is $3 million. However, higher amounts of up to $5 million are available on purchases at CLTV ≤ 55%. For first-time homebuyers, the maximum loan amount available is $2 million.

Why Use Apex Prime?

Apex Prime helps partners build trust and connections with their clients. Now, those borrowers who already have strong profiles can benefit from improved pricing.

What are the Best Borrower Fits for Apex Prime?

Apex Prime is designed for eligible borrowers with strong profiles who are purchasing or refinancing single-family residences or PUDs using eligible Non-QM loan programs.

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

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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

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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

As a mortgage loan officer, I have the opportunity to work with many mortgage lenders. AD continues to impress with speed, efficiency, systems, rates, staff, from top to bottom a very pleasant experience working with A&D Mortgage.

Don Robinson

Posted to

04/29/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor

Posted to

12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce

Posted to

10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell

Posted to

03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan

Posted to

03/18/2026

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

Awesome and fast service.

Ivette Vazquez Velazquez, PA

Posted to

09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez

Posted to

06/17/2025

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

Looking forward to working with this team again!

Fidel Mazon

Posted to

05/06/2026

Anne Nguyen

Posted to

04/11/2026

Don Robinson

Posted to

04/29/2026

Kirsten Fleenor

Posted to

12/15/2025

Stephen Fierce

Posted to

10/02/2025

Jackie Mitchell

Posted to

03/14/2026

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan

Posted to

03/18/2026

Drimar Castrillo

Posted to

09/09/2025

Awesome and fast service.

Ivette Vazquez Velazquez, PA

Posted to

09/19/2025

Jacqueline Hernandez

Posted to

06/17/2025

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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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