Max Slyusarchuk CEO of AD Mortgage

A TOP NON-QM LENDER IN US

WHAT'S NEW WITH FHA PROGRAMS

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  • Min FICO Now 580 – More borrowers eligible
  • Manual Underwriting – Flexibility beyond automated guidelines
  • Temporary Buydowns – Lower interest rates
    in early years
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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; 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

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; for I/O Min. FICO 680 & FTHB no allowed
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; for I/O Min. FICO 680 & FTHB no allowed
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

Foreign National Asset Utilization

No score or FICO 660 Up to 75% CLTV
Qualify Foreign National homebuyers with liquid assets
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • Qualifying assets / 60 months
  • Second home
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 $1,249,125
  • 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
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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

AD 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, AD has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
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.

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.

06/17/2025

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

AD 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, AD has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
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.

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.

06/17/2025
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