YOU GET 25 BPS
Available on Purchase · R&T
Cash-Out · Streamline/IRRRL
Top 5 Most Trusted Lenders by mortgage professionals
Take advantage of our pricing promo before July 31
→ New locks only → All property types
→ Wholesale, Correspondent, Correspondent Plus
HOW TO GET 25 BPS OFF
Partner Portal
AVAILABLE PROGRAMS AT A GLANCE
Programs
-
Conventional High Balance
FICO per AUS Up to 97% CLTVQualify homebuyers seeking properties exceeding the standard limits- Loan limits up to $1,249,125 per county
- DTI per AUS
- Primary, secondary homes, and investment
- Minimum down payment 3%
-
Conventional Standard
FICO per AUS Up to 97% CLTVAn affordable financing option with standard requirements- Loan amounts up to $832,750
- DTI as per AUS
- Minimum down payment 3%
- LTV up to 97%
-
Freddie Mac HomeOne
FICO per AUS Up to 97% LTVA perfect fit for first-time homeowners with no geo or income limits- Loan amounts up to $832,750
- Minimum down payment is 3%
- Max CLTV is 105%; max LTV is 97%
- Primary Residence only
-
Fannie Mae HomeReady
FICO per AUS Up to 97% CLTVThe perfect fit for borrowers with limited down payment capabilities- Loan amounts up to $832,750
- DTI per AUS
- Primary residence
- Minimum down payment 3%
-
Fannie Mae RefiNow
FICO per AUS Up to 97% CLTVA flexible refinance option with simplified underwriting- Reduced documentation
- DTI per AUS
- Owner-occupied, 1-unit primary residence
- LTV up to 97%
-
Freddie Mac Home Possible
FICO per AUS Up to 97% CLTVAn affordable mortgage option for low- to moderate-income individuals- Loan amounts up to $832,750
- DTI per AUS
- Cancelable MI
- Minimum down payment 3%
-
FHA Standard
Min. FICO 580 Up to 97.75% CLTVQualify homebuyers with limited down payment capabilities- Loan amounts up to $524,225
- DTI as per AUS
- LTV up to 97.75%
- A maximum LTV of 80% for cash-out refinances
-
VA Standard
Min. FICO 580 Up to 100% CLTVA loan solution for veterans, active-duty service members, and their eligible surviving spouses- Loan amounts up to $2 million
- Gift funds are allowed
- No down payment required
- Manufactured homes
-
FHA Streamline Refinance
Min. FICO 580Current FHA loan refinance solution with minimal requirements- Min. 6 payments on current FHA loan
- Primary residence
- No appraisal for stick-built properties
- No DTI verification
-
VA IRRRL
Min. FICO 580 Up to 110% CLTVA streamlined refinance option for veterans and active-duty service members- Loan amounts up to $1.5 million
- No appraisal or credit underwriting required
- Primary residence, Investments, Second Home
- Manufactured homes
-
FHA High Balance
Min. FICO 580 Up to 97.75% CLTVA mortgage option allowing for larger loan amounts in high-cost areas- Loan amounts up to $1,249,125
- DTI as per AUS
- Primary residence, second home
- LTV up to 97.75%
WHY CHOOSE AD MORTGAGE
Mortgage Lender You Can Trust
9,000+ partners
More than 9,000 partnering brokerage companies
20 years
20 years in the mortgage industry
49 states
Operating from coast to coast
30 min
Get a response in 1/2 an hour
OUR AWARDS
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.
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.
Great experience, fast close! Awesome customer service! Thank you
I have been in the business for 23 Years, this lender doesn’t play games, ctc in 12 days! Thank you!
I am a broker and have used AD mortgage on various occasions and EVERY single time they deliver for our clients. Awesome company.
A&D Mortgage is hands down one of the most reliable Non-QM lenders in the industry and I say this without mincing words.
AD Mortgage is great to work with… Experienced AE’s and UW team that understands Guidelines and good communication.
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.
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!
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.
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.
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!
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.
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.
Great experience, fast close! Awesome customer service! Thank you
I have been in the business for 23 Years, this lender doesn’t play games, ctc in 12 days! Thank you!
I am a broker and have used AD mortgage on various occasions and EVERY single time they deliver for our clients. Awesome company.
A&D Mortgage is hands down one of the most reliable Non-QM lenders in the industry and I say this without mincing words.
AD Mortgage is great to work with… Experienced AE’s and UW team that understands Guidelines and good communication.
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.
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!
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.
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.
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!
Not a Partner Yet?
WHAT SERVICES WE PROVIDE
- Take advantage of AI in mortgage
- Track the progress of each loan
- Create your disclosure package in 1 minute
Loyalty Program
- Save your clients money
- Get more control & close faster
- Receive exclusive gifts
- Generate automated conditions
- Get pre-approval in 5 minutes
- Close Non-QM deals faster
Calculator
- Simplify your lending choices
- Get a reliable income analysis
- Enjoy eligibility assessment
- Request Loan Changes
- Ask AI Guideline Assistant
- Reach Partner Support
for a live call
- Manage your leads
- Create email campaigns
- Track loan progress
- Take advantage of AI in mortgage
- Track the progress of each loan
- Create your disclosure package in 1 minute
Loyalty Program
- Save your clients money
- Get more control & close faster
- Receive exclusive gifts
- Generate automated conditions
- Get pre-approval in 5 minutes
- Close Non-QM deals faster
Calculator
- Simplify your lending choices
- Get a reliable income analysis
- Enjoy eligibility assessment
- Request Loan Changes
- Ask AI Guideline Assistant
- Reach Partner Support
for a live call
- Manage your leads
- Create email campaigns
- Track loan progress