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Celebration Period

Take advantage of our pricing promo before July 31
USA 250th Special ENDS IN:
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SAVE 25 BPS
Celebrating USA 250
All Conventional, FHA & VA loans

→ New locks only → All property types
→ Wholesale, Correspondent, Correspondent Plus
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HOW TO GET 25 BPS OFF

STEP 1
STEP 2
Lock a loan with any submission date
STEP 3
The offer applies immediately!
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AVAILABLE PROGRAMS AT A GLANCE

  • Conventional High Balance

    Conventional High Balance

    FICO per AUS Up to 97% CLTV
    Qualify 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%
    Learn More
  • Conventional Standard

    Conventional Standard

    FICO per AUS Up to 97% CLTV
    An affordable financing option with standard requirements
    • Loan amounts up to $832,750
    • DTI as per AUS
    • Minimum down payment 3%
    • LTV up to 97%
    Learn More
  • Freddie Mac HomeOne

    Freddie Mac HomeOne

    FICO per AUS Up to 97% LTV
    A 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
    Learn More
  • Fannie Mae HomeReady

    Fannie Mae HomeReady

    FICO per AUS Up to 97% CLTV
    The perfect fit for borrowers with limited down payment capabilities
    • Loan amounts up to $832,750
    • DTI per AUS
    • Primary residence
    • Minimum down payment 3%
    Learn More
  • Fannie Mae RefiNow

    Fannie Mae RefiNow

    FICO per AUS Up to 97% CLTV
    A flexible refinance option with simplified underwriting
    • Reduced documentation
    • DTI per AUS
    • Owner-occupied, 1-unit primary residence
    • LTV up to 97%
    Learn More
  • Freddie Mac Home Possible

    Freddie Mac Home Possible

    FICO per AUS Up to 97% CLTV
    An affordable mortgage option for low- to moderate-income individuals
    • Loan amounts up to $832,750
    • DTI per AUS
    • Cancelable MI
    • Minimum down payment 3%
    Learn More
  • FHA Standard

    FHA Standard

    Min. FICO 580 Up to 97.75% CLTV
    Qualify 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
    Learn More
  • VA Standard

    VA Standard

    Min. FICO 580 Up to 100% CLTV 
    A 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
    Learn More
  • FHA Streamline Refinance

    FHA Streamline Refinance

    Min. FICO 580
    Current 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
    Learn More
  • VA IRRRL

    VA IRRRL

    Min. FICO 580 Up to 110% CLTV 
    A 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
    Learn More
  • FHA High Balance

    FHA High Balance

    Min. FICO 580 Up to 97.75% CLTV
    A 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% 
    Learn More

Conventional High Balance

FICO per AUS Up to 97% CLTV

A Conventional High Balance loan is a mortgage option for borrowers who need financing for an amount that exceeds the national baseline conforming loan limits but stays within the local conforming loan limits for the high-cost county. This allows homebuyers to borrow more money to purchase a home in a more expensive area.

Program features
  • Loan limits up to $1,249,125 per county
  • FICO as per AUS
  • Up to 97% LTV
  • Cash-out allowed
  • Primary, secondary homes, and investment
Why choose our Conventional High Balance?
  • Temporary rate buydowns available
  • No overlays with FNMA/Freddie
  • Faster turn times
More about Conventional High Balance loan
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Conventional Standard

FICO per AUS Up to 97% CLTV

Conventional loans are fully compliant with Fannie Mae and Freddie Mac guidelines. A Conventional Standard program is a traditional mortgage option with competitive rates and flexible down payments starting at 3%. The program is designed for creditworthy homebuyers looking for a straightforward path to homeownership.

Program features
  • Loan amounts up to $832,750
  • FICO as per AUS
  • Up to 97% LTV
  • DTI as per AUS
  • Min down payment 3%
Why choose our Conventional Standard?
  • Temporary rate buydowns available
  • No overlays with FNMA/Freddie
  • Cancelable MI
More about Conventional Standard loan
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Freddie Mac HomeOne

FICO per AUS Up to 97% LTV

Freddie Mac HomeOne is a mortgage program designed to help first-time homeowners with no geographic or income restrictions. It offers low down payment financing with flexible loan options.

Program features
  • Loan amounts up to $832,750
  • FICO as per AUS
  • Up to 97% LTV
  • Minimum down payment is 3%
Why choose our HomeOne?
  • MI is standard at 35% or 18% with a LLPA
  • At least one borrower must be a first-time homebuyer
  • Temporary rate buydowns available
More about Freddie Mac HomeOne loan
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Fannie Mae HomeReady

FICO per AUS Up to 97% CLTV

Fannie Mae's HomeReady mortgage is a lifeline for creditworthy, low- and moderate-income borrowers seeking to purchase or refinance a home. It offers the security of a Conventional loan with potential cost savings on mortgage insurance. Qualifying for a HomeReady mortgage can be easier thanks to a lower down payment option and flexible sources of down payment funds.

Program features
  • FICO as per AUS
  • Loan amounts up to $832,750
  • DTI as per AUS
  • Primary residence
  • Homebuyer education is required for first-time buyers
Why choose our Fannie Mae HomeReady?
  • Temporary rate buydowns available
  • Gift funds allowed
  • Cancelable MI
More about Fannie Mae HomeReady loan
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Fannie Mae RefiNow

FICO per AUS Up to 97% CLTV

The Fannie Mae RefiNow program is a refinance option for lower-income homeowners with Fannie Mae-held mortgages. It aims to make refinancing easier and more affordable by simplifying the process and offering potential interest rate reductions.

Program features
  • FICO as per AUS
  • Up to 97% LTV
  • DTI as per AUS
  • Min 12-month seasoning requirement
  • 1-unit primary residence
Why choose our Fannie Mae RefiNow?
  • Reduced documentation requirements
  • $500 credit will be provided if an appraisal has been obtained for the transaction
  • Income at or below 100% of the Area Median Income
More about Fannie Mae RefiNow loan
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Freddie Mac Home Possible

FICO per AUS Up to 97% CLTV

Freddie Mac Home Possible is a mortgage program designed to help low- and moderate-income buyers achieve homeownership. It offers low down payment financing with discounted fees and flexible loan options, making it easier to qualify for a mortgage.

Program features
  • Loan amounts up to $832,750
  • DTI as per AUS
  • Up to 80% of the AMI
  • Homebuyer education is required for first-time buyers
  • 1-4 units, condos, and PUDs; manufactured homes with restrictions
Why choose our Freddie Mac Home Possible?
  • Temporary rate buydowns available
  • Cancelable MI
  • Certain credit fees are capped
More about Freddie Mac Home Possible loan
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FHA Standard

Min. FICO 580 Up to 97.75% CLTV

FHA Standard loan is government-backed mortgage designed to help low- to moderate-income borrowers achieve homeownership. With a less stringent credit score and down payment requirements than traditional loans, FHA Standard Loan is ideal for first-time homebuyers.

Program features
  • Loan amounts up to $524,225*
  • DTI as per AUS
  • LTV up to 97.75%
  • Min. FICO 580
  • MIP is required
Why choose our FHA Standard?
  • Great for the first-time homebuyers
  • Min. down payment 3.50%
  • Less than average credit score requirements
More about FHA Standard loan
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VA Standard

Min. FICO 580 Up to 100% CLTV 

The VA Standard loan is a mortgage program offered by the Department of Veterans Affairs (VA) to veterans, active-duty service members, and their eligible surviving spouses. It's designed to help veterans and their families buy, build, repair, maintain, or adapt a home for personal use.

Program features
  • Loan amounts up to $2 million
  • Min. FICO 580
  • Up to 100% LTV
  • Manufactured homes
  • No down payment required
Why choose our VA Standard?
  • Limited closing costs
  • Temporary rate buydowns are available
  • No private mortgage insurance (PMI)
More about VA Standard loan
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FHA Streamline Refinance

Min. FICO 580

The FHA Streamline Refinance program is designed to help borrowers who have a current FHA-insured loan. It's an easy way to potentially lower interest rates and reduce monthly payments. This refinance option requires minimal paperwork, making the process faster and easier.

Program features
  • Available to borrowers with an existing FHA loan
  • No income is required
  • No appraisal documentation
  • No need to calculate a DTI
  • Permanently lowered monthly payments
Why choose our FHA Streamline Refinance?
  • Min. 6 payments on current loan
  • Reduced paperwork
  • Simple eligibility requirements
More about FHA Streamline Refinance loan
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VA IRRRL

Min. FICO 580 Up to 110% CLTV 

The VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance option for veterans and active-duty service members with existing VA loans. This solution allows borrowers to lower their interest rate and monthly mortgage payments with minimal paperwork and underwriting requirements.

Program features
  • Loan amounts up to $1.5 million
  • Min. FICO 580
  • Up to 110% LTV
  • High balance allowed
  • Manufactured homes
Why choose our VA IRRRL?
  • $500 cashback as a result of incidental changes at closing
  • Only ownership certification required
  • Appraisal is not required
More about VA IRRRL loan
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FHA High Balance

Min. FICO 580 Up to 97.75% CLTV

FHA High Balance loan is designed for those looking to purchase a home in an expensive area. The Federal Housing Finance Agency (FHFA) increases loan limits in these locations, allowing homebuyers to borrow more for their dream home.

Program features
  • Loan amounts up to $1,249,125*
  • DTI as per AUS
  • Primary residence, second home
  • Up to 97.75% CLTV
  • Min. FICO 580
Why choose our FHA High Balance?
  • Min. down payment 3.50%
  • Flexible qualification requirements
  • Accessible to borrowers without perfect credit score & history
More about FHA High Balance loan
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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

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49 states

Operating from coast to coast

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30 min

Get a response in 1/2 an hour

Your reliable Partner

OUR AWARDS

2026, HousingWire
Tech100 Mortgage Winner
2026, Globee Awards
Accelerating Partner Time-to-Value
2025, MPA
5-Star Wholesale Lenders
2025, Stevie Awards
Innovating the Future of 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

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

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

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

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.

06/17/2025

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

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

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

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

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.

06/17/2025
We've received more than 1,300 great reviews about our company
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WHAT SERVICES WE PROVIDE

AIM Partner Portal
A free platform to submit and fund loans quickly
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Non-QM AUS
The first integrated Non-QM AUS in mortgage history!
  • Generate automated conditions
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Loan Income
Calculator
A tool perfect for W2 and self-employed borrowers
  • Simplify your lending choices
  • Get a reliable income analysis
  • Enjoy eligibility assessment
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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 from working together
  • Save your clients money
  • Get more control & close faster
  • Receive exclusive gifts
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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