4.7 Stars | 597 reviews
4.7 Stars | 3 177 reviews

#1 Non-QM lender in Colorado

October 03, 2024

Let's meet offline!

The A&D team will be attending the Colorado Mortgage Summit, and we invite you to join us there! We look forward to meeting all the new guests and our partners at the event on October 03, 2024.
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Our awards

2024, Globee Awards
National Winner for AI in Mortgage
2024, NMP
2024 Originator Choice Awards
2024, Scotsmans Guide
#1 Non-QM Lender
2024, Stevie Awards
Innovating Mortgage Technologies
Solutions for any scenario request

Programs that fuel your growth

VA Standard

No Min. FICO Up to 100% CLTV 
A loan solution for veterans, active-duty service members, and their eligible spouses
  • Loan amounts up to $2 million 
  • Up to 55% DTI 
  • Up to 100% LTV 
  • Eligible VA borrowers: Active-duty service members; Members of the National Guard; Reservists; Surviving spouses of veterans; Cadets at the US Military, Air Force or Coast Guard Academy; Midshipmen at the U.S. Naval Academy; Officers at the National Oceanic & Atmospheric Administration 
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VA IRRRL

No Min. FICO Up to 100% CLTV 
A streamlined refinance option for veterans and active-duty service members 
  • Loan amounts up to $2 million
  • Up to 55% DTI 
  • Primary residence, Investments, Second Home
  • Up to 100% LTV 
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Second Mortgage

Min. FICO 680 Up to 85% 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
  • Min FICO 680 
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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
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12/24 Month Bank Statement

Min. 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
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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%
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1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
The easiest alternative solution for self-employed borrowers
  • P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million
  • Min FICO 660
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1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV
A flexible Non-QM solution for Full Doc borrowers 
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied 
  • Min. 3 months of reserves
  • Min FICO 620 
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1099

Min. FICO 620 Up to 85% CLTV
An ideal loan for sole proprietors or contract individuals 
  • 1099s for the last 1 year
  • 1-year history with the same employer 
  • Gift funds allowed 
  • Loan amounts up to $4 million 
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WVOE

Min. FICO 620 Up to 80% CLTV
A loan solution for salaried borrowers with no tax returns 
  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required
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Asset Utilization

Min. FICO 620 Up to 80% CLTV
An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed 
  • Qualifying assets / 60 months
  • Min. 3 months of reserves
  • Loan amounts up to $4 million 
  • Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts
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Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV
Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 65% СLTV cash-out
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Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
Qualify Foreign National borrowers with overseas income 
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed 
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Conventional Standard

Min. FICO 620 Up to 97% CLTV
An affordable financing option with standard requirements
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Minimum down payment 3%
  • LTV up to 97%
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Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
The perfect fit for borrowers with limited down payment capabilities
  • Loan amounts up to $802,650
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%
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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 $802,650
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%
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Conventional High Balance

Min. FICO 620 Up to 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
  • Loan amounts up to $1,203,975
  • DTI up to 50%
  • Primary, secondary homes, and investment
  • Minimum down payment 3%
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Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
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Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
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Prime Jumbo

Min. FICO 680 Up to 80% CLTV
A solution for borrowers seeking large home loans
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
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FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Qualify homebuyers with limited down payment capabilities
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances
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FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
A mortgage option allowing for larger loan amounts in high-cost areas
  • Loan amounts up to $1,149,825
  • DTI up to 55%
  • Primary residence
  • LTV up to 97.75% 
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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
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