Programs

Non-QM
Prime Jumbo
Government
Conventional
Second Mortgage

Borrower type

Income type

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

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%

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%

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

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%

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

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

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%

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

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

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

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

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

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

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

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

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

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

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

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

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

Ready to get started?

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