A&D Correspondent

Why choose A&D Mortgage?

Competitive Pricing

Take advantage of the market-driven pricing, accessible anytime directly through your account.

Intuitive Interface

Upload files and complete submissions easily in our user-friendly portal, designed to simplify the process.

3 Correspondent Channels

Choose the option that works best for you as we offer Mini Correspondent, Non-Delegated, and Full-Delegated channels.

Streamlined Loan Process

Experience the value of fast turnarounds: we complete underwriting in a matter of hours and post-closing within 24-48 hours.

DSCR

Min. FICO 620 Up to 80% CLTV

Close DSCR loan with the fastest turn times in the industry

Credit for DSCR >1.25
No income no employment
Short-term rentals up to 80% CLTV
DSCR as low as 0

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

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
Min FICO 700 and up to 70% CLTV for DSCR
Loan amounts up to $1.5 million
Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%

Learn More

Prime Jumbo

Min. FICO 720 Up to 80% CLTV

A solution for borrowers seeking large home loans

Loan amounts up to $3.5 million
DTI up to 50%
No MI required
Up to 80% СLTV purchase / Up to 75% СLTV cash-out

Learn More

Conventional Standard

Min. FICO 620 Up to 97% CLTV

An affordable financing option with standard requirements

Loan amounts up to $806,500
DTI up to 50%
Minimum down payment 3%
LTV up to 97%

Learn More

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV

The perfect fit for borrowers with limited down payment capabilities

Loan amounts up to $806,500
DTI up to 50%
Primary residence
Minimum down payment 3%

Learn More

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV

An affordable mortgage option for low- to moderate-income individuals

Loan amounts up to $806,500
DTI up to 50%
Cancelable MI
Minimum down payment 3%

Learn More

FHA Standard

Min. FICO 640 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

FHA High Balance

Min. FICO 640 Up to 97.75% CLTV

A mortgage option allowing for larger loan amounts in high-cost areas

Loan amounts up to $1,209,750
DTI as per AUS
Primary residence
LTV up to 97.75%

Learn More

FHA Streamline Refinance

Min. FICO 640

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

Second Mortgage

No Score or FICO 680 Up to 90% CLTV

A solution to secure additional funding with existing equity

Loan amounts up to $500,000
DTI up to 50%
Owner-occupied, second home, or investment
No Score or FICO 680

Learn More

All Programs

Guidelines

Application Package

Non-QM

Jumbo

Conventional & FHA

Lock and Pricing

AD Mortgage Correspondent Package

Non-QM Guidelines

Non-QM Product Matrix

Non-QM Niches

Jumbo Underwriting Guidelines

Conforming Guidelines

FHA Mortgagee Letters

FHA Eligibility

Temporary Buydown Matrix

Temporary Buydown Calculator

Lock and Pricing Policy

Lock Change request

Nationwide mortgage lender

A&D Mortgage is a direct lender, bringing first-class service to our partners. We offer a full spectrum of Conventional, Government and Non-QM products, including Bank Statements, Jumbo, and Foreign National programs.