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Programs

Borrower type

Income type

Super Prime

90% CLTV FICO 599
  • FICO 599
  • 90% CLTV
  • Loan Amount up to $4 Million​
  • Max Cash-on-Hand $1 Million, no limit for CLTV < 55%​

Prime

80% HCLTV​ No Score or FICO 599
  • No Score or FICO 599
  • 80% HCLTV​
  • Loan Amount up to $1.5 Million​
  • 30 & 40 Year Fixed​

Full Doc Non-QM

90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for LTV < 55%

DSCR

FICO 620 Up to 80% DSCR as low as 0
  • FICO 620
  • Up to 80% CLTV
  • Loan amounts up to $3 million
  • Max cash-on-hand $1 million, no limit for CLTV <55%

12/24 Months Bank Statements

Up to 90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • Up to 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for CLTV < 55%

1Y + 2Y P&L ONLY

Up to 85% CLTV on 2Y Up to 80% CLTV on 1Y No Score or FICO 599
  • No Score or FICO 599
  • Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
  • Max DTI 55%
  • Loan amounts up to $4 million

1099

Up to 85% CLTV for 1099 No Score or FICO 599
  • No Score or FICO 599
  • Up to 85% CLTV for 1099
  • Loan amounts up to $4 million
  • DTI 55% Max

WVOE

Up to 80% CLTV for WVOE No Score or FICO 599
  • No Score or FICO 599
  • Up to 80% LTV for WVOE
  • Up to 85% LTV for 1099
  • Loan amounts up to $4 million

Bridge Loan Program

70% CLTV FICO 660
  • FICO 580
  • 70% CLTV
  • Interest Only
  • No Income on 1003

Asset Utilization

Up to 80% CLTV FICO 660
  • FICO 660
  • Up to 80% CLTV
  • Cash Out up to 75% LTV
  • Savings and checking 100%

Foreign Nationals

Up to 75% CLTV No score or FICO 680
  • No score or FICO 660
  • Up to 75% CLTV
  • Loan amounts up to $2 million
  • Cash-out allowed

Non-Permanent Resident

Non Permanent Resident FICO 660
  • FICO 599
  • Up to 90% CLTV
  • Bank statements allowed

Freddie Mac Refi Possible℠

Up to 97% LTV FICO 620
  • 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

Minimum 620 FICO
  • Loan amounts up to $1,089,300 depending on home location
  • Available on primary residences
  • Condo financing available

FHA Streamline Refinance

No minimum FICO
  • 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%
  • Financing up to 96.5%
  • DTI up to 55%
  • Up to 6% of closing costs can be contributed by the seller

Conventional High Balance

Loans up to $970,800
  • 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

Why work with A&D?

  • 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

  • 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

The diversity of our program portfolio

Fast turnaround times

Disclosure

24 hours

Conditions

24 hours

Underwriting

24 hours

Closing

24 hours

24 hours

Ready to get started?

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