SUBMIT A SCENARIO
GET IN TOUCH
EXTENDED TO MARCH: IMPROVED PRICING
4.8 Stars | 1261 reviews
4.8 Stars | 104 reviews
50 bps on select Non-QM and Second Lien loans
25-37.5 bps on 30Y Conventional loans up to $300K
GET THE DETAILS
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New Pricing for All Partners
Not a Partner? Start now to
receive the special pricing offers
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Win Even More Deals
Non-QM, Second Lien, Conventional loans
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Limited-time Offers
Grab these offers before
March 31!
SPECIAL OFFERS END IN:
0 days
0 Hrs
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PRICING EDGE IS LIVE
LOCK DEALS WITH BENEFITS
Icon 50 bps on Asset Utilization income type on Non‑QM and 2nd Lien loans
Icon 50 bps on 2‑Year Full‑Doc income type on Non‑QM and 2nd Lien loans
Icon 25-37.5 bps on 30Y Conventional loans up to $300k
SUBMIT A SCENARIO

Solutions for any scenario request

AD MORTGAGE PROGRAMS

Programs

DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with fast turn times
  • First-time homebuyers allowed
  • No income, no employment needed
  • Rent-free borrowers allowed
  • DSCR below 1 (excluding Condos and Condotels)
Learn More

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

ITIN

Min. FICO 660 Up to 80% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 80% CLTV for Super Prime
  • DTI up to 50%
  • Loan amounts up to $1.5 million 
  • Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700
Learn More
All Programs

HOW TO GET UP TO 50 BPS

STEP 1
Go to the AIM
Partner Portal
STEP 2
Lock an eligible promo loan
STEP 3
The offer applies immediately!
Check Out Terms and Conditions
Any questions? Please contact:
1. Your Account Executive
2. Partner Support
email partnersupport@admortgage.com
ACCESS AIM
PARTNER WITH US

WHY CHOOSE AD MORTGAGE

Mortgage Lender You Can Trust

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9,000+ partners

More than 9,000 partnering brokerage companies

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20 years

20 years in the mortgage industry

national winner for ai in mortgage
innovating the future of mortgage technology
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49 states

Operating from coast to coast

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30 min

Responding to requests within 30 minutes

Your reliable Partner

OUR AWARDS

2025, HousingWire
Tech100 Mortgage Winner
non-qm lender
2024, Scotsmans Guide
#1 Non-QM Lender
originator choice award
2024, NMP
Originator Choice Awards
2025, Stevie Awards
Innovating the Future of Mortgage Technology

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
Watch video
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
Watch video

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 team to work with. I just closed one of the most complex transactions of my career with A&D Mortgage, and it was not easy in any fashion.
This was a manually underwritten Non-QM bank-statement file with LLC vesting, a revocable trust on the asset side, and several structural questions that had to be worked through the credit and underwriting teams. We had real challenges along the way, right up to closing. What stood out is how open they were. The account executive, underwriting, and team leads stayed in the file, listened to the way we framed the risk, and worked with us on structure instead of shutting the door.
It took coordination, documentation, and more than one conversation to get there. They still got it across the finish line. We will definitely be using them again.

Stephan Haynes
Posted to
10/06/2026

I am so glad I found A&D Mortgage. My AE Michael Padgen is what made my experience an amazing one. He listens and takes his time with you. No rush to get you off the line like these other huge lenders. I highly recommend A&D Mortgage and especially Michael Padgen for his kind, caring and extremely knowledgeable customer service!

Kristie Woodward
Posted to
09/04/2026

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

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
Watch video
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
Watch video

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 team to work with. I just closed one of the most complex transactions of my career with A&D Mortgage, and it was not easy in any fashion.
This was a manually underwritten Non-QM bank-statement file with LLC vesting, a revocable trust on the asset side, and several structural questions that had to be worked through the credit and underwriting teams. We had real challenges along the way, right up to closing. What stood out is how open they were. The account executive, underwriting, and team leads stayed in the file, listened to the way we framed the risk, and worked with us on structure instead of shutting the door.
It took coordination, documentation, and more than one conversation to get there. They still got it across the finish line. We will definitely be using them again.

Stephan Haynes
Posted to
10/06/2026

I am so glad I found A&D Mortgage. My AE Michael Padgen is what made my experience an amazing one. He listens and takes his time with you. No rush to get you off the line like these other huge lenders. I highly recommend A&D Mortgage and especially Michael Padgen for his kind, caring and extremely knowledgeable customer service!

Kristie Woodward
Posted to
09/04/2026

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
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WHAT SERVICES WE PROVIDE

AIM Partner Portal
A free platform to submit and fund loans quickly
  • Take advantage of AI in mortgage
  • Track the progress of each loan
  • Create your disclosure package in 1 minute
ADvantage:
Loyalty Program
A service that grants you benefits of working together
  • Save your clients money
  • Get more control & close faster
  • Receive exclusive gifts
now live aus
Non-QM AUS
The first integrated Non-QM AUS in mortgage history!
  • Generate automated conditions
  • Get pre-approval in 5 minutes
  • Close Non-QM deals faster
Loan Income
Calculator
A tool perfect for W2 and self-employed borrowers
  • Simplify your lending choices
  • Get a reliable income analysis
  • Enjoy eligibility assessment
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call
LEADer CRM
A free platform to help you become an industry leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress
AIM Partner Portal
A free platform to submit and fund loans quickly
  • Take advantage of AI in mortgage
  • Track the progress of each loan
  • Create your disclosure package in 1 minute
ADvantage:
Loyalty Program
A service that grants you benefits of working together
  • Save your clients money
  • Get more control & close faster
  • Receive exclusive gifts
now live aus
Non-QM AUS
The first integrated Non-QM AUS in mortgage history!
  • Generate automated conditions
  • Get pre-approval in 5 minutes
  • Close Non-QM deals faster
Loan Income
Calculator
A tool perfect for W2 and self-employed borrowers
  • Simplify your lending choices
  • Get a reliable income analysis
  • Enjoy eligibility assessment
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call
LEADer CRM
A free platform to help you become an industry leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress