Max Slyusarchuk CEO of A&D Mortgage

4.7 Stars | 597 reviews

4.7 Stars | 3 177 reviews

#1 Non-QM lender in Colorado

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Services

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Awards

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Reviews

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August Promo Pricing

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Second Mortgage (Full Doc only)

FICO ≥ 680
CLTV ≤ 80

📅 Valid for new locks from August 1 to August 31 only

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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

Prime Jumbo Blue

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 $3.5 million
DTI up to 50%
Cash out without limitations
Cash out up to 80% CLTV on Owner Occupied

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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

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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

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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

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DSCR

Min. FICO 620 Up to 80% CLTV

Close DSCR loan 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

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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

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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%

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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

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

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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

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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

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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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