Max Slyusarchuk CEO of AD Mortgage

A TOP NON-QM LENDER IN Colorado

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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Your reliable Partner

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2024, Globee Awards
National Winner for AI in Mortgage
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2024, NMP
2024 Originator Choice Awards
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2024, Scotsmans Guide
#1 Non-QM Lender
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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

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.

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
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.

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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