Programs

Borrower type

Income type

Submit a Scenario Guidelines

Hard Money

Min. FICO 580 Up to 70% CLTV
A solution to bridge the gap when transitioning from one home to another
  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
  • DTI not required
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Second Mortgage

Min. FICO 660 Up to 85% 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
  • Min FICO 660 
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DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loan with the fastest turn times in the industry
  • No ratio loans
  • No income no employment
  • Condotels, condo, SFR, townhomes, 2-4 units, PUD, short-term rentals, leasehold, SFR rural, manufactured housing
  • Max cash-in-hand $1 million, no limit for CLTV <55%
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12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
A perfect fit for self-employed borrowers
  • Personal, business, or combined bank statement
  • 3 months of reserves
  • Concierge Service for income calculation
  • Min FICO 620
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ITIN

Min. FICO 660 Up to 80% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 80% CLTV for the Super Prime program
  • Min FICO 700 and up to 70% CLTV for DSCR 
  • Loan amounts up to $1.5 million 
  • Max cash-in-hand $1 million, no limit 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 by a licensed CPA, enrolled tax agent, or licensed tax preparer
  • No bank statements required if CLTV <= 65% 
  • Loan amounts up to $4 million
  • Min FICO 660
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1Y or 2Y Full Doc Non-QM

Min. 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 
  • 3 months of reserves
  • Min FICO 620 
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1099

Min. 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

Min. FICO 620 Up to 80% CLTV
A loan solution for salaried borrowers with no tax returns 
  • FNMA Form 1005
  • 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required. For loans with CLTV > 65%, two months of personal bank statements are 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
  • 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. Business assets are not permitted. A 4-month seasoning of assets is required
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Foreign Nationals DSCR

No score or FICO 680 Up to 70% CLTV
Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 75% СLTV cash-out
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Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
Qualify Foreign National borrowers with overseas income 
  • Loan amounts up to $2 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed 
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Conventional Standard

Min. FICO 620 Up to 97% CLTV
An affordable financing option with standard requirements
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Minimum down payment 3%
  • Temporary rate buydowns available
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Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
The perfect fit for borrowers with limited down payment capabilities
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Primary residence
  • First-time or repeat home buyers
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Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
An affordable mortgage option for low- to moderate-income individuals
  • Loan amounts up to $766,550
  • DTI up to 45%
  • Cancelable MI
  • Homebuyer education is required for first-time buyers
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Conventional High Balance

Min. FICO 620 Up to 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
  • Loan amounts up to $1,149,825
  • Primary, secondary homes, and investment
  • More competitive rates and easier guidelines
  • Faster turn times
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Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620
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Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • FICO 620
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Prime Jumbo

Min. FICO 680 Up to 80% CLTV
A solution for borrowers seeking large home loans
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
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FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Qualify homebuyers with limited down payment capabilities
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances
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FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
A mortgage option allowing for larger loan amounts in high-cost areas
  • Loan amounts up to $1,149,285
  • DTI up to 55%
  • Primary residence, second home
  • LTV up to 97.75% 
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FHA Streamline Refinance

Min. FICO 640
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
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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

  • 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

  • No income DSCR loans
  • The ability to work with Foreign Nationals and Non-Permanent Residents
  • No W2s or Tax Return:
    Alternative income documentation programs allow Bank Statements, P&Ls, WVOEs, and 1099s to prove the borrower’s ability to repay.

Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Conditions

24 hours

Closing

24 hours

24 hours

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