A&D Mortgage is a licensed direct mortgage lender. A&D Mortgage may choose to retain servicing of loans or transfer loans to a new servicer. This selection does not affect the terms or conditions of loans other than those directly related to the servicing of the loan. If the servicing of your loan is transferred, you will be notified by A&D Mortgage LLC in writing, and you will receive welcome information from the new servicer.
If you are not sure who is your servicer, please do not hesitate to contact us.
Contact us
If your loan has been transferred to one of our subservicers, please contact them directly at:
If you've been affected by a recently declared disaster, we are here to help.
Please check, if your area has been federally declared as a natural disaster. Visit the Federal Emergency Management
Agency's (FEMA) website.
*When you apply for assistance, FEMA will check to make sure you meet certain requirements. FEMA must ensure all applicants for FEMA assistance meet certain eligibility requirements prior to giving assistance.
If you are experiencing a hardship and need a mortgage assistance program, you must provide:
Your application must include a fully completed and signed Mortgage Assistance Application (RMA).
For more assistance contact our team at
(855) 760-7600For assistance from a Housing Counselor, contact the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287. To find local counseling organizations, visit HUD.gov / U.S. Department of Housing and Urban Development (HUD).
www.hud.govYou need to click "I am a new user" on the Borrower Portal main page and go through the account setup process. You will be required to provide your loan number, SSN, first and last name, and property zip code.
You should double-check the data you entered and make sure they are correct. If you are still experiencing difficulties, contact us at (855) 760-7600 or servicing@admortgage.com.
You need to click "I am a new user" on the Borrower Portal main page and select the "Business" account option. After that, you'll need to enter your company's name in the Last Name field and provide your SSN and zip code.
Your 10-digit loan number can be found on your mortgage statements or at the top of your closing documents.
You can reset your password online. To do this, go to the login page, enter your username, click "Next" and "Forgot My Password". Once you are redirected to the password reset page, enter your username, answer the security questions, and click "Reset". You will receive an email with a link to reset your password.
To retrieve your username, go to the login page and click "Forgot my Username". Fill out the form with the account information, click "Next", and you will see your username.
Try to do the following:
If none of the above helps, contact us at (855) 760-7600 or servicing@admortgage.com.
At A&D Mortgage, we take your privacy and security as our top priority, continually investing in the latest security measures to keep our clients' trust in us.
We take advanced security measures to protect your data and maintain the highest level of privacy. Our portal uses encryption protocols to safeguard sensitive information transmitted between your device and our systems. Our robust firewalls and intrusion prevention systems protect against any unauthorized access or malicious activity. Our dedicated team of cybersecurity experts closely monitors our systems to detect any potential threat and respond to it promptly. We also adhere to strict data protection regulations to ensure the utmost security and confidentiality of your data.
So you may rest assured that using our borrower portal is absolutely safe.
Three payment options are currently available to you:
Unfortunately, payments over the phone are not accepted.
It depends on the payment method selected.
You can set up ACH payments in your account, if any. After logging in, select "Recurring Payment". Enter the required payment information and click "Continue"; double check the entered data and click "Submit".
Alternatively, you can send us your completed Automatic Payment Authorization Form by mail or email.
To make a one-time online payment, first, you need to log into your account and click "Online Payment" in the navigation menu. Then you need to enter the requested payment information and click "Continue"; double check the entered data and click "Submit".
We don't charge any fees for making payments. However, your bank or payment provider may have their own charges.
Unfortunately, we don't accept payments by credit card.
You can send a written request for a refund to servicing@admortgage.com.
The NSF (or non-sufficient funds) fee is the fee the bank charges for each payment return (meaning payment has not been honored by the bank). Your payment may be returned by the bank because your account is not located (for example, the incorrect account number is provided), there are not enough funds in your account to make the payment, or your account is frozen/closed.
Payment is considered delinquent on the day after the due date. A late fee is charged if payment is not received within the grace period. The grace period can be 10-15 days, depending on the type of loan. Note that you better make the payment before 5:00 p.m. on the 16th to avoid late fees.
Waiving late fees is a one-time courtesy in exceptional cases. You can submit your written request with justification and evidence to servicing@admortgage.com. The request will be addressed to management for review on an individual basis.
Yes, please contact us by email at servicing@admortgage.com or through the request form so we can make the necessary adjustments.
Your monthly payment will not change; however, the amortization schedule will be adjusted. It means that the ratio of P&I will change, i.e., you will pay more towards the principal and less towards the interest.
Generally, changes in the payment amount may be due to changes in property taxes or insurance premiums. The payment may also change as a result of interest rate recalculation in the case of an adjustable-rate mortgage.
Under the terms of the mortgage, the lender has the right to sell your mortgage to another lender. This is stipulated in the "Mortgage" document.
As a lender, we are legally required to inform you within 30 days of the transfer of your loan. Thus, you should receive a notice stating the details of the transfer, including the name and contact information of the new investor. The new investor will also send you a notification confirming the transfer.
Please note that if you received a notice from a new lender or investor without our prior notice, do not transfer any payments but contact us immediately to clear things up. That's how you avoid fraud.
When your loan is sold, it means that ownership and servicing of your loan have been transferred to another financial institution. Such transfers are common practice in the mortgage industry, but little should change for you as the borrower. Thus, the terms of your mortgage loan, such as your monthly payment, interest rate, repayment schedule, remaining debt, and loan term, will remain the same.
The only change you will encounter is sending your monthly mortgage payments to a new address or setting up automatic payments with a new lender since the new lender will be responsible for servicing your loan.
Escrow is a type of financial arrangement where a third party holds and manages funds on behalf of two parties involved in the transaction. Simply put, it's a kind of savings account that we manage for you to cover the estimated cost of property taxes, homeowner's insurance premiums, (private) mortgage insurance (PMI/MI), and other fees, if applicable. If you have an escrow account with us, we ensure that the required amounts are set aside and paid on time. If you don't have an escrow account, you need to keep track of tax and insurance premium due dates and make those payments yourself.
At loan closing, you have the option of opening an escrow account with us. If we are already servicing your loan and you would like to add an escrow account, please send us your written request to insurance@admortgage.com or tax@admortgage.com.
Please note that in this case, you will need to provide proof that all taxes and insurance are current.
It depends on the loan type and certain conditions (e.g., at least 80% of the loan's original appraisal value must be paid, no late payments 30+ days in the past 12 months and 60+ days in the past 24 months, etc.). Thus, to find out if you qualify for an escrow waiver, you need to submit a written request to insurance@admortgage.com or tax@admortgage.com, and we'll review the eligibility criteria for your case and provide an answer.
Please note that for some loans, an escrow account is required and cannot be removed.
Since escrow accounts are used to pay property taxes and insurance premiums, any change in your escrow payment can be due to a change in either your tax bill or insurance premium. To make sure you have sufficient money in your escrow account to pay your tax and insurance bills, we analyze your escrow annually.
We analyze your escrow account at least once a year. Once the analysis is complete, we inform you of any changes to your mortgage payment by sending a detailed Escrow Disclosure Statement.
Escrow payments are calculated based on the estimated annual costs of property taxes and insurance. This amount is divided by 12 and added to your monthly mortgage payment
All your loan information can be accessed through the "Loan Details" section of your account.
If you need to update or make changes to your loan information, please contact our Customer Service team at (855) 760-7600 for assistance.
If you have an escrow account, the taxes will be paid out of the account when they are due. If you don't have an escrow account, you will need to contact the tax authority to make payments.
If you have an escrow account, the insurance premiums will be paid out of the account when they are due. If you don't have an escrow account, you will need to contact your insurance provider to make payments.
You can easily track the payments made towards your taxes and insurance through the "Tax and Insurance Information" section of your account. Additionally, you can review your annual escrow analysis statement, which provides a breakdown of how your escrow funds are allocated for property tax and insurance. We provide such analysis statements once a year.
If your loan has an escrow account, you do not need to send us the bill. We receive an electronic version of your bill and pay it for you before it's due. The only exception is if you get a delinquent, corrected, or supplemental tax bill. We'll also pay such a bill from your escrow account, but you will need to send us a copy of it to tax@admortgage.com – either scan the bill or take a good-quality photo of it.
Please note that if your mortgage does not have an escrow account, you must pay all tax bills yourself and send us a payment confirmation.
Your Tax ID number is the same as your Social Security Number (SSN). If you don't have an SSN, then you have probably qualified as a foreign national and should have an ITIN (Individual Tax Identification Number) issued by the IRS (Internal Revenue Service).
If you do not maintain insurance coverage on your property, we will obtain an insurance policy on your behalf (force-placed insurance), which often costs more, and this cost will be added to your loan balance.
Switching insurance providers during the loan term may be possible. Contact our Customer Service team at (855) 760-7600 to discuss this process and the required documentation.
PMI (or private mortgage insurance) is a type of mortgage insurance that protects the lender if the borrower defaults on the loan, as opposed to homeowners insurance, which protects the property. This insurance is often required when the down payment on a loan is less than 20%, and its cost is added to the mortgage payment. Once the LTV reaches 80% or less, the borrower can request a PMI waiver.
To inquire about the possibility of canceling PMI, please submit your written request to the Service Department at insurance@admortgage.com.
Please note that approval of PMI cancellation depends not only on the LTV but also on the type of mortgage, age of the loan, significant home improvements made after loan closing, payment history, etc.
It's a tax form, reporting the amount of mortgage interest paid by the borrower during the tax year.
After your mortgage payment due date, we give you a 15-day grace period before assessing a late fee. But if your payment is received after the last day of the month it was due, we notify the consumer credit bureau that you have made a late payment (as stated in your mortgage agreement).
If we reported your payment as late, but you have information (such as a bank statement) that shows we received your payment before the grace period is due, please mail us a copy of that information along with a written explanation. Once we receive your information, we'll investigate further. You also have the right to ask us to provide documentation that verifies we made no error in servicing your loan. Send your requests and supporting information to:
A&D Mortgage LLCUnfortunately no, there are no such provisions stipulated in the Note and Closing Disclosure.
Depending on your unique situation, there are several options available. As part of the loss mitigation evaluation, we'll explore those options.
Some of them may include Repayment, Forbearance, Modification, Short Sale, and Deed in Lieu of Foreclosure.
Depending on which option we may approve, you may need to send us certain documents.
Please note that in most cases, we report your workout plan to the major consumer credit bureaus, which may affect your credit score.
Loss mitigation refers to various strategies and options A&D Mortgage as a lender may offer you if you're struggling to make your mortgage payment and are at risk of foreclosure.
Some of those options may include:
First, please send your written request to lossmit@admortgage.com with the justification of the hardship. We will review your request and come back to you with conclusions. In order to proceed, you may be asked to provide a pack of documents including but not limited to:
Depending on your unique situation, several options to avoid foreclosure may be available (but not limited to):
Please send your written request to lossmit@admortgage.com with a justification/explanation of your situation.
Please note that each situation is considered individually.
If you haven't found the answer to your question, please feel free to contact our Customer Service team at (855) 760-7600 or servicing@admortgage.com.
