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AD MORTGAGE:
THE LENDER OF CHOICE
Chosen by Those
Who Know Best – Mortgage Professionals
4.8 Stars | 1152 reviews
4.7 Stars | 90 reviews
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THE LENDER OF CHOICE
Where Trust Meets Success
Top 5 nationwide
Chosen by Mortgage Professionals: More than 1,000 brokers across the US voted, and AD Mortgage was ranked among the five most trusted wholesale partners
Solutions that win business
Brokers ranked us as a leader for our programs. From Non-QM and Conventional to FHA and VA, partners get the flexibility to serve every borrower
Care, not just support
Award-winning partner support team. 4.8 rating on Google and Trustpilot with over 1,000 excellent reviews. Technology that matters because it’s backed by people who care

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AD MORTGAGE PROGRAMS

Driving Your Business, Fueling Your Growth

Programs

DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with fast turn times
  • 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; 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 70% 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
Among America’s Top 5

The survey behind this recognition reflects the voice of experience:

  • 1,000 mortgage professionals voted on the MPA website
  • AD Mortgage made the Top 5 most trusted lenders
  • Brokers selected lenders based on key mortgage criteria
REACH OUT
Site Banner_Landing Page_THE LENDER OF CHOICE_501x398

Chosen by Those Who Know Best

Why mortgage professionals voted for AD Mortgage

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Customer Service

Our customer service topped the list thanks to our responsiveness, consistency, and proactive support

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Turnaround Time

Speed that closes deals: files move fast, closings stay on track, and clients experience a streamlined process

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Loan Programs

AD Mortgage showed diversity, offering everything from DSCR and ITIN to Conventional and VA programs

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Technologies

Our AIM ecosystem, which includes Non-QM AUS and Quick Pricer, is specifically designed to speed up workflows

Your reliable Partner

AD MORTGAGE: AWARD-WINNING LENDER

Innovating the Future
of Mortgage Technology
Stevie Awards 2025
Industry Titan:
Max Slyusarchuk
NMP 2025
Tech100
Mortgage Winner
HousingWire 2025
Best of Finance
Award Winner
Inman 2025

What Our Partners Think of Us

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

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
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
2:15
Watch video

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

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

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 AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

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

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

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.

Jacqueline Hernandez
Posted to
06/17/2025
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

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
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
2:15
Watch video

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

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

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 AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

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

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

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.

Jacqueline Hernandez
Posted to
06/17/2025
We've received more than 1,300 great reviews about our company
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4.8 Stars | 1152 reviews
4.7 Stars | 90 reviews
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2025 Innovating the Future of Mortgage Technology Stevie Awards
2025 Tech100 Mortgage Winner HousingWire
2024 Originator Choice Awards National Mortgage Professional
2024 #1 Non-QM Lender Scotsman Guide
2024 National Winner for AI in Mortgage Globee Awards
2025 Customer Loyalty Solution Globee Awards
2024 Originator Choice Awards National Mortgage Professional
2025 Innovating the Future of Mortgage Technology Stevie Awards
2024 National Winner for AI in Mortgage Globee Awards
2025 Tech100 Mortgage Winner HousingWire
2024 #1 Non-QM Lender Scotsman Guide
2025 Customer Loyalty Solution Globee Awards

Technology Built for Brokers

AIM Partner Portal is designed to put brokers in control. Anytime, anywhere
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 Pipeline
Nothing Extra – Just Focus
on What Matters
  • Track the progress of each loan
  • Upload the 1003 file
  • Create a to-do list
Self-Disclosure
Up to 95% Faster disclosure turnaround
  • Create your disclosure package in 1 minute
  • Use for Conv, Non-QM, FHA loans
  • Access it anytime – available 24/7
LEADer CRM
A Free Platform to Help You Become an Industry Leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress
Learning Center
Your Go-to Source
for Navigating AD Products
  • Use step-by-step guides
  • Watch video tutorials
  • Learn to submit loans smoothly
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call
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 Pipeline
Nothing Extra – Just Focus
on What Matters
  • Track the progress of each loan
  • Upload the 1003 file
  • Create a to-do list
Self-Disclosure
Up to 95% Faster disclosure turnaround
  • Create your disclosure package in 1 minute
  • Use for Conv, Non-QM, FHA loans
  • Access it anytime – available 24/7
LEADer CRM
A Free Platform to Help You Become an Industry Leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress
Learning Center
Your Go-to Source
for Navigating AD Products
  • Use step-by-step guides
  • Watch video tutorials
  • Learn to submit loans smoothly
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call