AD Correspondent

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

Guidelines

Application Package

Non-QM

Jumbo

Conventional & FHA

Lock and Pricing

AD Mortgage Correspondent Package

AD Mortgage Correspondent Seller Guide

Correspondent Plus Fee Worksheet

Correspondent Delivery Guide

Correspondent Delivery Worksheet

Correspondent Plus Lock Worksheet

Non-QM Guidelines

Non-QM Product Matrix

Non-QM Niches

AD Power Jumbo

Conventional Guidelines

FHA Mortgagee Letters

FHA Eligibility

Temporary Buydown Matrix

Temporary Buydown Calculator

Lock and Pricing Policy

Lock Change request

Nationwide Mortgage Lender

AD Mortgage is a broker-voted Top 5 U.S. wholesale lender, and recognized as a top Non-QM lender in the U.S. With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.

Partner with AD Mortgage for award-winning technology and lending solutions that move your business forward.
Embrace the Power of Yes!

* License not required for business purpose loans

Join our network of partners and get empowered with our innovative products

Write to us, we will contact you within 30 minutes.

Fast turnaround times

Disclosure

24 hr

Underwriting

24 hr

Closing

48 hr

Post-closing

48 hr

Purchase Advice

24 hr

Testimonials

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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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

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

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!