Max Slyusarchuk CEO of AD Mortgage

A TOP NON-QM LENDER IN US

WHAT'S NEW WITH FHA PROGRAMS

Let's meet offline!

  • Min FICO Now 580 – More borrowers eligible
  • Manual Underwriting – Flexibility beyond automated guidelines
  • Temporary Buydowns – Lower interest rates
    in early years
Join the Event
Your reliable Partner

Our awards

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

Programs that fuel your growth

AD Power Jumbo

Min. FICO 660 Up to 89.99% CLTV
A great fit for borrowers in search of large home loans for purchase or investment
  • Loan amounts up to $5 million
  • DTI up to 50%
  • No max cash-out limits
  • Income as per DU/LPA
Learn More

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
VA Standart

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
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

Second Mortgage

No Score for FN 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

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
Learn More

ITIN

Min. FICO 660 Up to 70% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 70% 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

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
Learn More

1Y or 2Y Full Doc Non-QM

No Score or 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 or no score
Learn More

1099

No Score or 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 
Learn More

WVOE

No Score or 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
Learn More

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
Learn More

Foreign National DSCR

No Score or FICO 660 Up to 75% 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 75% СLTV purchase / Up to 70% СLTV cash-out
Learn More

Foreign National 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 
Learn More

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

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

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

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

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 Refi Possible

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

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

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 $1,209,750
  • DTI as per AUS
  • Primary residence, second home
  • LTV up to 97.75% 
Learn More

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
Struggling with a scenario?

Struggling with
a challenging scenario?

We will help in 30 minutes!
Share Your Scenario
our partners say

Why we are trusted

Your most important asset is your human capital, the people you have here. I had a transaction that seemed very simple but it became complicated and was declined. I called Frank, our account rep at AD Mortgage, and we double-checked everything together. It looked like something we could do and he got it done. His level of knowledge and the way he handled the transaction inside the company made it work, and we were able to close in three weeks.

If you do not have a great lender, a great partner, and a great account rep like Frank, it becomes almost impossible to complete a transaction and keep everyone satisfied. That relationship is essential.

The condo market in South Florida is very complicated and finding a partner like AD, especially an account rep like Frank who guides you through the process and makes it easy, is incredible. My perfect lender is the one where a yes truly means yes. They communicate, and AD has made strong progress in that.

Rafael Amaro
Premier Lending
4:49
Watch video

AD Mortgage with their new system and website has truly leveled up everything. Organization and consistency make a big difference in today’s market, and with AD everything is clear and smooth.

When you send a loan, it gets closed right away, and often I receive approvals within a day. The support team is always there, reviewing documents quickly and helping the process move forward. The support at AD is definitely 10 out of 10. Their rewards program is also a great tool for brokers.

Arianna Triana
Mortgage Loan Originator
3:57
Watch video

Definitely, there have been a couple of files that I have been able to finalize thanks to AD Mortgage. The huge difference that made it work above everything was the connection with my account executive and how helpful he has been ever since we met. AD has always been there, you’re super-fast, and the turnaround times are very good. That’s really good work right there.

Alejandra Lozano
Glades Lending and Realty LLC
3:32
Watch video

A&D are making some technical changes that have helped with the speed and getting from originating to closing. A lot of things are done online and it’s going to continue to be that way. I think, A&D has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
Watch video

We are glad that professionals helped us with the deal for our house. We thank you and highly recommend you.

Anastasiia Skisova
Posted to
05/31/2025

Our experience was phenomenal! Our loan officer, Joshua Perez, made the process seamless for everything that was in their control. I would highly recommend AD Mortgage

Dwala Reid
Posted to
05/31/2025

AD Mortgage is a Great Lender with a Team of professionals always ready to help and get the job done right away!
My Company is Bulgari Financial Corporation – an approved Boker with AD Mortgage.
AD Mortgage approved one of my loans from application to Clear to Close for 7 days Only!
Simply Amazing and Highly Recommended!

06/14/2025

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

Excellent service. They helped me throughout the entire process, guiding me hand in hand. A great and fast team. They got me a lot of help so I could buy with the minimum cost possible. I’m very grateful. Thank you.

Daraily Simpson
Posted to
06/22/2025

Great experience! Was very overwhelmed and stressed with the lender I had. Decided to let them beat my objections and they did! Made my home buying process exciting instead of stressful!

Jacquelne Saylor
Posted to
06/24/2025

They helped with all the questions i had, they made me feel confident in knowing i was in good hands, and i needed anything to just reach out. I felt good about signing with them

Adam M Reyes
Posted to
07/16/2025

Very friendly and easy to work with! Made the process much more easy to negotiate!

Dana Strom
Posted to
08/01/2025

Working with A&D was an excellent experience! The process was smooth, everything was explained clearly, and the communication was outstanding. Xavier went above and beyond—he was incredibly responsive, always quick with answers, and made the entire process completely stress-free. I couldn’t have asked for a better loan officer. Highly recommend Xavier and the A&D team!

Irina Vasquez
Posted to
08/02/2025

I have done 2 deals with A&D and they have great service. Underwriting manager really went to bat for me on a file. I love working with A&D.

Rodney Debro
Posted to
08/03/2025

I have gone through six mortgage processes in my lifetime and AD Mortgage was the smoothest and most professional I have ever experienced. I highly recommend AD Mortgage for your next home!

09/05/2025

Need to say that the A&D Team always exceed expectations, Jason as always is a game changer, professional and always on top of things!! Ne never let me down!! Great teamwork!! Thank you!

09/05/2025

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

I had an excellent experience working with my A&D Account Executive Kayla Torres throughout the loan process. From start to finish, she provided outstanding support, clear communication, and guidance every step of the way. They were always available to answer my questions, explained everything in detail, and made what could have been a stressful process feel smooth and manageable. Their professionalism, knowledge, and dedication truly went above and beyond my expectations. I’m very grateful for their help and would highly recommend her.

Thank’s

09/09/2025

AD Mortgage has been an excellent lending partner. Their platform is efficient, their products are competitive, and the support we receive is second to none. A special thanks to our account executive, Kayla Torres, who consistently goes above and beyond to ensure our loans move smoothly. Her responsiveness and industry knowledge make a real difference in our business.

Michael Caroselli
Posted to
09/09/2025

It was a sure pleasure working with the A&D Mortgage Team. They were not only knowledgeable of the information we needed to know but very responsive to our calls and questions. They made everything transition very smoothly and one of the best experiences I have had with a mortgage company.

Cheryl Weaver
Posted to
09/21/2025

A&D mortgage was easy to work with they were very helpful the whole team was amazing and was always easy to get a hold of with any questions and concerns i had. I highly recommend A&D mortgage

Jessica Mirazo
Posted to
09/30/2025

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
We got more than 1,100 great reviews about our company
Take a look for yourself on a platform of your choice
Case studies

our partners share their stories

More stories

ready to get started?
Become a partner!

Fill in the broker package in 3 minutes and let's start growing together!
Become a Partner

Have Questions?

Fill out an inquiry form, and we'll get back to you within 30 minutes!