Programs

Borrower type

Income type

Guidelines

Second Mortgage

FICO 660+ Max CLTV 85%
Loan secured by the equity in your home for any chosen purpose
  • Credit scores down to 660
  • Owner-occupied or second home or investment
  • Max CLTV 85%
  • Maximum 50% DTI
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DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with the fastest turn times in the industry
  • No ratio loans
  • No income no employment
  • Condotels, mixed use, 5-8 units
  • Max cash-on-hand $1 million, no limit for CLTV <55%
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12/24 Months Bank Statements

Min. FICO 599 Up to 90% CLTV
The perfect fit for self-employed borrowers
  • Personal / business / combined
  • 3 month reserves
  • Concierge Service to calculate income
  • Max cash-on-hand $1 million, no limit for CLTV < 55%
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1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
The simpliest alternative solution for self-employed borrowers
  • P&L only prepared by 3rd party CPA
  • 2 months of bank statements required
  • No tax returns required
  • Loan amounts up to $4 million
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1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 80% CLTV
Take advantage of Non-QM flexibility for Full Doc borrowers
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied
  • 1Y credit event allowed
  • Max cash-on-hand $1 million, no limit for LTV < 55%
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1099

Min. FICO 599 Up to 85% CLTV
Ideal loan for sole proprietors or contract individuals
  • 1099s for 2 years
  • 1 year history with same employer
  • Gift funds allowed
  • DTI 55% Max
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WVOE

Min. FICO 599 Up to 85% CLTV
Loan solution for salaried borrowers with no tax returns
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
  • Loan amounts up to $4 million
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Asset Utilization

Min. FICO 599 Up to 80% CLTV
Qualify high net-worth individuals with their accumulated capital
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
  • Savings and checking 100%
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Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 660
Qualify Foreign Nationals with minimal documentation and fast closings
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR as low as 0 (min. FICO 680)
  • CPA Letter for last 2 years & year-to-date
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Foreign Nationals Full Doc

Up to 75% CLTV Min. FICO 660
Qualify Foreign National borrowers with overseas income
  • Loan Amount up to $2 Million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed
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Freddie Mac Refi Possible

Up to 97% LTV FICO 620
Borrowers with limited income or credit seeking to refinance
  • 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
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Fannie Mae RefiNow

Homeowners wanting to refinance with lower income/credit requirements
  • 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
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Prime Jumbo

High-income borrowers seeking large home loans
  • FICO 680
  • Up to 75.00% HCLTV
  • Fixed terms available up to $2.5 milliоn
  • Cash out up to 75% HCLTV
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FHA High Balance

Minimum 620 FICO
Homebuyers in costlier areas with moderate income
  • Loan amounts up to $1,089,300 depending on home location
  • Available on primary residences
  • Condo financing available
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FHA Streamline Refinance

No minimum FICO
Existing FHA loan holders aiming to refinance with minimal paperwork
  • 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
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FHA

Financing up to 96.5% DTI up to 55%
First-time homebuyers with lower down payment capabilities
  • Financing up to 96.5%
  • DTI up to 55%
  • Up to 6% of closing costs can be contributed by the seller
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Conventional High Balance

Loans up to $970,800
Buyers in high-cost areas with strong credit scores
  • 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
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Freddie Mac Home Possible

Low to moderate-income buyers aiming to purchase a home
  • Fixed-rate financing for easier budgeting
  • Homebuyer education is required for first-time buyers
  • Up to 97% LTV
  • FICO 620
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Fannie Mae HomeReady

Low to moderate-income buyers seeking affordable housing
  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers
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Conventional

Standard mortgage for creditworthy homebuyers
  • 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
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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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