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AD Mortgage

Programs

A&D Mortgage offers a wide range of lending solutions. Below are a few of our most popular offerings:

Super Prime

  • FICO 599
  • 85% CLTV
  • Loan Amount up to $3 Million​
  • Max Cash-on-Hand $1 Million, no limit for CLTV < 55%​

Prime

  • No Score or FICO 580
  • 80% HCLTV​
  • Loan Amount up to $1.5 Million​
  • 30 & 40 Year Fixed​

Full Doc Non-QM

  • No Score or FICO 580
  • 85% CLTV
  • Loan amounts up to $3 million
  • Max cash-on-hand $1 million, no limit for LTV < 55%

DSCR

  • FICO 620
  • Up to 80% CLTV if DSCR > 1.00
  • Up to 75% CLTV if DSCR is 0.75-1.00
  • Up to 70% CLTV if DSCR <0.75

12/24 Months Bank Statements

  • No Score or FICO 580
  • Up to 85% CLTV
  • Loan amounts up to $3 million
  • Max cash-on-hand $1 million, no limit for CLTV < 55%

1Y + 2Y P&L ONLY

  • No Score or FICO 580
  • Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
  • Max DTI 55%
  • Loan amounts up to $3 million

1099

  • No Score or FICO 580
  • Up to 90% CLTV for 1099
  • Loan amounts up to $3 million
  • DTI 55% Max

WVOE

  • No Score or FICO 580
  • Up to 85% LTV for WVOE
  • Up to 85% LTV for 1099
  • Loan amounts up to $3 million

Bridge Loan Program

  • FICO 580
  • 70% CLTV
  • Interest Only
  • No Income on 1003

Asset Utilization

  • FICO 600
  • Up to 80% CLTV
  • Cash Out up to 75% LTV
  • Savings and checking 100%

Foreign Nationals

  • No score or FICO 620
  • Up to 70% CLTV
  • Loan amounts up to $2 million
  • Cash-out allowed

Non Permanent Resident

  • FICO 660
  • Up to 85% CLTV
  • Bank statements allowed

Freddie Mac Refi Possible℠

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Fannie Mae RefiNow™

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620

Prime Jumbo

  • FICO 660
  • Up to 80.00% HCLTV
  • 15-Year & 30-Year fixed up to $3 million
  • Cash out up to 80% HCLTV

FHA High Balance

  • Loan amounts up to $765,000 depending on home location
  • Available on primary residence and second/vacation homes
  • Condo financing available

FHA Streamline Refinance

  • No appraisal and no income documentation are required
  • You must have made at least six payments on your FHA mortgage
  • To qualify, you’re required to be current on your monthly loan payments

FHA

  • Financing up to 96.5%
  • DTI up to 55%
  • No appraisal is needed to apply for the streamline refinance FHA program
  • Up to 6% of closing costs can be contributed by the seller

Conventional High Balance

  • Loan amounts up to $1,089,300 in high-cost areas for a single unit
  • Eligible for primary and secondary homes
  • More competitive rates and easier guidelines
  • Faster turn times

Freddie Mac Home Possible®

  • Fixed-rate financing for easier budgeting
  • Homebuyer education is required for first-time buyers
  • Up to 97% LTV
  • FICO 620

Fannie Mae HomeReady®

  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers

Conventional

  • Loan amounts up to $726,200
  • A conventional loan can be used to finance a property in a high-cost area
  • 15-, 20-, 25- & 30-year fixed rate
  • Down payments as low as 3% depending on loan amount

Turnaround Times

1
Disclosure
24 hours
2
Conditions
24 hours
3
Underwriting
24 hours
4
Closing
24 hours

Easy start

Just 4 simple steps to get this loan program

1
Choose a program
Start now
2
Fill form and send the application
3
We will
reach you back
4
Submit a Loan

Why A&D Mortgage?

    • Fastest turnaround times in the industry
    • Proprietary Non-QM programs allow us to make every decision about a loan’s viability
    • Competitive compensation for brokers
    • State-of-the-art technology
    • The most competitive rates for clients

Features

    • Easy appraisal ordering
    • Intuitive origination portal
    • Web-based marketing design suite
    • Price loans anywhere, any time, on any device

The diversity of our program portfolio:

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