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Press about A&D

Our team are recognized industry experts and regularly comment on industry events, both for key business media and for regional online, press and television outlets

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Refi.com
Refi.com
01 Nov, 2024
Is It Worth Refinancing Your Mortgage for 1 Percent?
“If you are extending the term, you might reduce your monthly payments but end up paying more in total interest over the life of the loan,” cautions Carl Holman, director of Communication and Content for A&D Mortgage. For example, let’s go back to that earlier example of a $400,000 home purchase.
Refi.com
Refi.com
28 Oct, 2024
How Soon Can You Refinance an FHA Loan?
“Lenders will carefully assess your creditworthiness, so maintaining a solid payment record can help you qualify for better rates,” says Carl Holman with A&D Mortgage.
Mortgage Professional America
Mortgage Professional America
25 Oct, 2024
A&D Mortgage launches income calculator for conventional, non-QM loans
A&D Mortgage has rolled out a new income calculator within its AIM Partner Portal that could make life easier for brokers handling loan applications. The updated feature allows brokers to upload a borrower’s W-2 directly into the system, where AIM’s automated tool calculates the borrower’s monthly income and estimates the loan amount they could qualify for.
National Mortgage Professional
National Mortgage Professional
25 Oct, 2024
A&D Buys A Building, Bucks A Broader Trend
The non-QM lender is positioning for a big 2025, expanding warehouse lines and access to investor capital While many traditional mortgage lenders have struggled — to say the least — to weather the low-production, high-cost origination environment of the past two years, non-QM lender A&D Mortgage has bucked that general trend.
US News & World report
US News & World report
25 Oct, 2024
You Lied About What You're Using Your Personal Loan For: Will Your Bank Find Out?
Carl Holman, director of communication and content for A&D Mortgage, seconds those sentiments. "Being truthful when applying is essential because lenders base their decisions on the information you provide," Holman says. “Inaccuracies or lies can lead to loan denials, higher interest rates, or the cancellation of loan agreements."
Yahoo Finance
Yahoo Finance
23 Oct, 2024
KBRA Assigns Preliminary Ratings to A&D Mortgage Trust 2024-NQM5 (ADMT 2024-NQM5)
KBRA assigns preliminary ratings to 9 classes of mortgage pass-through certificates from ADMT 2024-NQM5, a $390.6 million non-prime RMBS transaction. The underlying collateral, comprising 1,171 residential mortgages, is characterized by a significant concentration of loans underwritten using alternative income documentation.
Mortgage Research Center
Mortgage Research Center
15 Oct, 2024
How to Get Mortgage Pre-Approval
“Pre-approval, on the other hand, is more rigorous and involves a thorough review of your credit and financials, resulting in a conditional commitment from the lender,” notes Carl Holman, director of Communication and Content for A&D Mortgage. “Pre-approval is preferred because it’s more valued by sellers, who can feel more confident that your financing will be available when needed, and it gives you a clearer understanding of your borrowing capacity as well.”
Mortgage Professional America
Mortgage Professional America
15 Oct, 2024
A&D Mortgage offers DSCR loans to first-time buyers, announces broker
A&D Mortgage is expanding its Debt Service Coverage Ratio (DSCR) loan program to include first-time homebuyers, offering US residents and foreign nationals the opportunity to invest in real estate with fewer traditional income verification hurdles.
AZ Big Media
AZ Big Media
07 Oct, 2024
Who needs conventional loans? A look at the ideal borrower profile
Conventional loans have long been a go-to mortgage option for millions of homeowners. But who truly benefits from them? Beyond the financial considerations like credit scores or down payments, conventional loans are particularly well-suited to specific types of borrowers based on their socioeconomic backgrounds. This article explores how conventional loans fit the needs of different groups, including young professionals, middle-class families, and long-term homeowners.
Mortgage Professional America
Mortgage Professional America
24 Sep, 2024
A&D Mortgage raise loan limits ahead of official FHFA update
Non-QM lender A&D Mortgage has also raised its loan limits for conventional mortgages. These new limits are expected to assist homebuyers looking to finance one- to four-unit properties in high-cost markets by offering increased loan options.
Refi.com
Refi.com
19 Sep, 2024
Credit Score Requirements to Refinance a Home
“For a conventional refinance, the maximum allowable DTI is typically 45%, although some programs may allow higher DTI ratios with compensating factors, including FHA loans, which permit DTIs up to 50%. VA loans and USDA loans, on the other hand, have no fixed limit but generally prefer DTIs below 41%,” says Carl Holman, director of Communications and Content for A&D Mortgage. “Cash-out refinances may also require you to retain at least 20% equity in your home after refinancing.”
Progress In Lending
Progress In Lending
19 Sep, 2024
All Welcome The Fed’s Rate Cut
Lenders on the frontline like A & D Mortgage welcome this move. “Much of the Fed’s predicted rate cuts have already been priced in by rates traders, who believe that homebuyers have been on the sidelines waiting for lower rates. We are already seeing benefits for homebuyers who see rates decreasing,” noted Max Slyusarchuk CEO at A&D Mortgage. “Origination volumes at mortgage lenders like A&D Mortgage have already seen growing lending activity, with first half originations in 2023 totaling just over $1 billion vs. over $1.5 billion in 2024, representing a year over year increase of 50%. We are excited about the macroeconomic tail winds provided to mortgage lenders by upcoming Fed monetary policy and look forward to servicing our borrowers as best we can as demand for mortgage financing and re-financing increases into 2025.”
Refi.com
Refi.com
18 Sep, 2024
Home Appraisals When Refinancing: What to Look For and Timeline
“A home purchase appraisal is designed to confirm that the property’s value meets or exceeds the purchase price, protecting both the buyer and the lender,” says Carl Holman, director of Communications and Content for A&D Mortgage in Hollywood, Florida.
CNBC
CNBC
17 Sep, 2024
A&D Mortgage, Imperial Fund, Atlas Merchant Capital announce joint venture
Atlas Merchant Capital CEO Bob Diamond announces a new joint venture between A&D Mortgage, Imperial Fund, and his firm on CNBC's Squak on the Street.
Mortgage Professional America
Mortgage Professional America
03 Sep, 2024
A&D Mortgage secures fourth non-QM deal of 2024
A&D Mortgage has successfully executed its fourth non-QM securitization transaction of the year, valued at $331.5 million. The transaction features a $209.6 million two-year senior note that secured a Triple A rating from Kroll Bond Rating Agency (KBRA) and was priced at 145 basis points over Treasuries.
Scotsman Guide
Scotsman Guide
01 Sep, 2024
World at Your Fingertips by CEO Max Slyusarchuk
The United States is the envy of the world for many reasons, but its economic stability and diversity of cultures are especially auspicious. As the world’s largest economy and foremost melting pot, many people from around the globe wish to purchase homes in the U.S. Additionally, there are many foreign national investors who seek to acquire U.S. residential real estate for a variety of purposes, including portfolio diversification, asset appreciation and income creation.
Chrisman Commentary
Chrisman Commentary
29 Aug, 2024
8.29.24 Cyber Attacks and Yield Curve Slope; A&D Mortgage’s Alexander Suslov on Capital Markets; GDP Revised Upward
Check our Alexander Suslov's discussion with Robbie Chrisman about working in the capital markets and how they impact the mortgage industry.
Refi.com
Refi.com
23 Aug, 2024
Cash-Out Refinance vs. HELOC: What’s the best option?
“It’s a good option if you’ve built up significant equity and need a large lump sum of money for something like a major renovation, debt consolidation, or big purchase,” notes Carl Holman communications and content for A&D Mortgage.
National Mortgage Professional
National Mortgage Professional
01 Aug, 2024
The Amazing Race
Just a week after Rocket Logic’s launch, A&D Mortgage unveiled AIM, described as “the next evolution of [our] partner portal with enhanced AI integration.” A&D’s Chief Information Officer Nikolai “Nick” Avgustinov said that while continuing to develop A&D’s existing portal, including AI functions was a no-brainer. He noted that the previous portal’s interface wasn’t intuitive, nor did it create an easy user experience. “One of the challenges was we figured out that we had a lengthy approval process, complex documentation, and we needed some better risk assessment and better collaboration with our broker. So the answer was to significantly improve the interface of the portal,” Avgustinov said. “From the technological point of view, it’s a modern technology stack. Also, of course, we implemented pieces of AI to manage condition automation better and to speed up the approval process.”
Mortgage Professional America
Mortgage Professional America
16 Jul, 2024
A&D Mortgage sweetens deal for brokers with new loyalty program
A&D Mortgage, a non-QM lender, has rolled out its ADvantage Partner Loyalty Program, designed to recognize and reward its network of brokers. “The Advantage Partner Loyalty Program is our way of saying ‘thank you’ to our partners,” said A&D Mortgage CEO Max Slyusarchuk. “This program is about rewarding those who have believed in our vision and have worked to help us grow into the #1 non-QM lender.”
CNN Underscored
CNN Underscored
15 Jul, 2024
The best mortgage refinancing lenders in June 2024 to optimize your home loan
Carl Holman, a communications director at A&D Mortgage, also suggested working with a mortgage broker for assistance comparing loan offers if you aren't comfortable doing the process yourself. What are the requirements to refinance your mortgage?
Fox Business
Fox Business
26 Jun, 2024
Home prices break another record in April, but the market is cooling: Case-Shiller
“The S&P CoreLogic Case Shiller Home Price Index continues to remain strong due to a scarcity of homes for sale,” A&D Mortgage Founder and CEO Max Slyusarchuk said.
Investopedia
Investopedia
26 Jun, 2024
How to Apply for an FHA Loan
That's because "FHA loans have more lenient credit score requirements [than other mortgages], providing an opportunity for individuals with less-than-perfect credit to qualify for a mortgage," said Carl Holman, director of communications with A&D Mortgage.
Yahoo Finance
Yahoo Finance
21 Jun, 2024
5 Most Affordable Cities in New York State
According to AD Mortgage, “It is a quiet and spacious community with an abundance of recreational activities, and it’s also pleasantly affordable.” The median home value is about $104,000.
KPLC-TV
KPLC-TV
21 Jun, 2024
How does a fixed-rate HELOC work?
Initially, homeowners should contact their lender to express interest in a conversion, says Alexander Suslov, head of capital markets for AD Mortgage. “The lender will then assess eligibility based on factors such as the current balance, loan-to-value ratio, and credit score,” says Suslov.
Yahoo Finance
Yahoo Finance
19 Jun, 2024
Scotsman Guide Names A&D Mortgage No.1 Non-QM Lender
Hollywood, Florida--(Newsfile Corp. - June 19, 2024) - A&D Mortgage is proud to announce its prestigious recognition as the #1 Non-QM (Non-Qualified Mortgage) Lender in 2024 by Scotsman Guide, the leading resource for mortgage originators. This remarkable achievement highlights A&D Mortgage's dedication to providing innovative and flexible mortgage solutions.
The Maine Wire
The Maine Wire
10 Jun, 2024
Mortgage Company Increases Loan Amounts for Foreign Nationals Looking to Buy U.S. Property
A&D Mortgage, a Florida-based lender, announced Monday that it has increased the maximum loan limits for Foreign National and Foreign National DSCR (Debt Service Coverage Ratio) loans. … The higher loan limits demonstrate A&D Mortgage’s commitment to providing comprehensive financial products tailored to the unique circumstances of international borrowers, the company said.
National Mortgage Professional
National Mortgage Professional
05 Jun, 2024
A&D Mortgage Offering New Pricing Tiers for DSCR Loans
A&D Mortgage has announced the launch of new pricing tiers specifically designed for high-value rental properties. Company officials say the tiers are set to provide substantial benefits to property investors, offering more competitive rates and enhanced financing options. "These new pricing tiers reflect A&D Mortgage's commitment to providing the best possible financing solutions for our clients," the announcement reads.
CNN Underscored
CNN Underscored
03 Jun, 2024
The best mortgage refinancing lenders in June 2024 to optimize your home loan
Carl Holman, a communications director at A&D Mortgage, also suggested working with a mortgage broker for assistance comparing loan offers if you aren't comfortable doing the process yourself. What are the requirements to refinance your mortgage?
Mortgage Professional America
Mortgage Professional America
29 May, 2024
Prices surge but housing market "stuck in second gear" - report
“The S&P CoreLogic Case Shiller Home Price Index continues to remain strong due to a scarcity of homes for sale,” A&D Mortgage CEO Max Slyusarchuk added.
FXMAG (Polish newspaper)
FXMAG (Polish newspaper)
24 May, 2024
The real estate market in the worst condition in 40 years
The real estate market is in its worst condition in 40 years The sharp rise in mortgage rates seen last fall has kept many homeowners from selling, leaving existing homes off the market. Those who took out a loan with an interest rate of 3% a few years ago are not willing to move at the current interest rate, which is more than twice as high. - said A&D Mortgage economist Max Slyusarchuk.
Scotsman Guide
Scotsman Guide
22 May, 2024
Existing home sales dips unexpectedly in April
Max Slyusarchuk, CEO at A&D Mortgage, called the latest resale figures “disappointing” and said “it’s difficult to feel positive about housing for 2025 overall.” “Active home listings are up by more than 30%, from a year ago, so that’s a step in the right direction,” he noted. “However, homebuyers are waiting on the sidelines for rates to lower, and the Fed signaled that this won’t happen until September, which is putting a damper on potential home sales.”
Connect Podcast
Connect Podcast
20 May, 2024
Connect with Michael Pearson, SVP Business Development, A&D Mortgage | Episode 196
Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Michael Pearson, SVP Business Development, A&D Mortgage 1:41 - I always like to get started with a little background, so tell us how you got into the mortgage business.
Scotsman Guide
Scotsman Guide
01 May, 2024
Bridge the Generational Divide
ARTICLE BY CEO MAX SLYUSARCHUK: Understanding the collective experiences of clients from various age demographics can set you apart in the competitive mortgage market. Mortgage originators need actionable insights to work with these generations, emphasizing a practical approach rooted in real-world experiences rather than theoretical concepts.
CNN Underscored
CNN Underscored
30 Apr, 2024
The best mortgage refinancing lenders in 2024 to optimize your home loan
Carl Holman, a communications director at A&D Mortgage, also suggested working with a mortgage broker for assistance comparing loan offers if you aren't comfortable doing the process yourself.
Mortgage Point
Mortgage Point
25 Apr, 2024
Pending Sales Ramp Up for Spring Homebuying Season
Max Slyusarchuk, Founder and CEO of A&D Mortgage, weighed in on pending home sales trends and what it could mean for potential homebuyers this spring season. “The trend of Pending Home Sales remaining flat annually continues to be a concern as we get deeper into the Spring homebuying season,” Slyusarchuk said. “The yearly numbers are beginning to raise a red flag for the federal government. We don’t expect them to lower interest rates soon, but they must know that the market can’t continue like this for a third year. And so, we suspect additional housing stimulus initiatives will be announced by the end of this year, based on the current, feeble state of the housing market.”
Mortgage Professional America
Mortgage Professional America
19 Apr, 2024
Existing home sales slide again after brief uptick
A&D Mortgage CEO Max Slyusarchuk said the return to subdued sales was not unexpected given the challenging environment. “The supply of these homes is finite, ultimately, and with rates historically high for the near term, we don’t expect to see many more positive numbers in this particular housing sector anytime soon,” Slyusarchuk said. “We expect new home sales to perform much better in the coming months, by comparison.”
U.S. News & World Report
U.S. News & World Report
19 Apr, 2024
Should You Take a Homebuyer Education Class?
This requirement often applies to loan programs that allow a high loan-to-value ratio, or LTV, which is the amount of the loan divided by the home's value. Loans with a high LTV have low down payments, and lenders want to make sure that borrowers who aren't putting much money down have thought through all the responsibilities of homebuying. "They want the first-time homebuyer to fully understand what they're getting into and be responsible, so ultimately they're not in over their heads and they can pay their mortgage," says Andrew Taylor, senior vice president of wholesale lending at A&D Mortgage.
CBS News
CBS News
18 Apr, 2024
What is a no-appraisal home equity loan?
"Skipping the appraisal step can be particularly advantageous, especially in situations where quick access to cash is important," says Alexander Suslov, head of capital markets at A&D Mortgage. How much time you can save depends on where you live.
HousingWire
HousingWire
18 Apr, 2024
Loan buybacks haven’t disappeared, but they are trending down
A&D Mortgage is one example of an originator that is committed to prefunding quality control reviews. Alexander Suslov, the company’s head of capital markets, said that originators perform prefunding reviews on 100% of A&D’s overall loan production, including its non-QM originations.
RISMedia
RISMedia
18 Apr, 2024
Existing-Home Sales Decline in March
A&D Mortgage Founder and CEO Max Slyusarchuk commented: “Existing-home sales returned to disappointing numbers, but it’s not a surprise.
Asset Securitization Report
Asset Securitization Report
17 Apr, 2024
Freddie Mac's new product proposal stokes mixed early reactions
Indeed, second-lien issuance totaled $4 billion in 2023, up from $1 billion in 2022, according to Max Slyusarchuk, CEO of A&D Mortgage, citing figures from Bank of America. That market is expected to grow to $11 billion in 2024.
Asset Securitization Report
Asset Securitization Report
18 Apr, 2024
A&D Mortgage Trust to issue $401.5 million in non-QM MBS
Non-qualified mortgage lender A&D Mortgage Trust is returning to issue $401.5 million in mortgage-backed securities to investors, with most of the notes either funded by repayments on non-QM loans and those that are not subject to the Consumer Finance Protection Bureau (CFPB's) ability-to-repay rule.
Mortgage Professional America
Mortgage Professional America
16 Apr, 2024
A&D Mortgage launches AI-powered mortgage platform
“The mortgage landscape is constantly evolving, and A&D Mortgage has always been at the forefront of innovation,” the Hollywood-based company said in a Press release emailed to MPA.
National Mortgage News
National Mortgage News
15 Apr, 2024
Amazon, Mphasis team up to expand gen AI in lending and finance
At the same time, other lenders have jumped on the bandwagon with different types of AI-powered services, including A&D Mortgage, which released a platform for broker partners. Newrez also entered into its own partnership with Microsoft at the end of last year to improve borrower engagement. 
Mortgage Professional America
Mortgage Professional America
15 Apr, 2024
Could the Fed decide not to cut interest rates this year?
“Prices continue to rise overall, pressuring the finances of American households in particular,” commented A&D Mortgage founder and CEO Max Slyusarchuk.
Fox Business
Fox Business
11 Apr, 2024
Gas, housing and car insurance costs soar, fueling inflation in March
"Prices continue to rise overall, pressuring the finances of American Households in particular," Max Slyusarchuk, A&D Mortgage founder and CEO, said. "More and more, families are feeling the squeeze of rising home and auto insurance costs, which continue to edge higher and higher. However, the economy remains strong, so don't expect the Fed to lower rates any time soon."
Mortgage Professional America
Mortgage Professional America
10 Apr, 2024
US inflation on the rise
A&D Mortgage founder and chief executive officer Max Slyusarchuk said today’s news marked unwelcome reading for those holding out hopes on an imminent rate cut. “Prices continue to rise overall, pressuring the finances of American households in particular,” he said in a statement. “More and more, families are feeling the squeeze of rising home and auto insurance costs, which continue to edge higher and higher. However, the economy remains strong, so don’t expect the Fed to lower rates any time soon.”
Mortgage Professional America
Mortgage Professional America
04 Apr, 2024
A&D Mortgage expands loan options, targets affordability
A&D Mortgage, a non-qualified mortgage lender, has expanded its lending programs with new temporary buydown options for Fannie Mae’s Manufactured Homes and HomeReady programs. The specialized lender said the move is “designed to make homeownership more accessible and affordable for a wider range of borrowers, including first-time homebuyers and those seeking manufactured housing solutions.”
Consumer Affairs
Consumer Affairs
03 Apr, 2024
FHA 203(b) loans vs. 203(k) loans
According to communications manager Carl Holman of A&D Mortgage, LLC, FHA 203(b) loans are best suited for homebuyers looking to purchase a move-in-ready home or refinance their existing mortgage with a minimal down payment. "This option is ideal for first-time homebuyers, borrowers with less-than-perfect credit or those with limited cash for a down payment," he said.
Scotsman Guide
Scotsman Guide
01 Apr, 2024
Untangle the Confusion
ARTICLE BY CEO MAX SLYUSARCHUK: For many Americans, the dream of homeownership seems increasingly out of reach, compounded by a confluence of economic factors: soaring prices, fluctuating interest rates and a frustrating lack of inventory. Beneath the surface of these well-documented challenges lies a more insidious barrier: a pervasive lack of knowledge and understanding about the housing market. Let’s delve into why mortgage lenders and originators need to prioritize educating their clients — both homebuyers and Realtors — about the realities of the current market. It’s not just about addressing the tangible barriers to homeownership, such as affordability and availability. There’s an urgent need to tackle the myths, misconceptions and misinformation that are equally impeding buyers’ ability to make informed decisions.
Fox Business
Fox Business
27 Mar, 2024
January home prices show steady annual gain, but month-to-month comparison tells another tale: Case-Shiller
In his State of the Union address earlier this month, Biden called on Congress to create legislation giving a $10,000 tax credit to first-time homebuyers and those who sell their starter homes. This move would help middle-class Americans cope with higher borrowing costs while incentivizing existing homeowners to sell more homes. "Home price growth will likely not surge going into the Spring home buying season, as home sales are fairly stagnant at this moment," Max Slyusarchuk, CEO of A&D Mortgage said. "We do believe rates will begin to drop in the second half of the year, and that will help pick up home sales, which will be buoyed by stable home values." If you are looking to take advantage of the current mortgage rates by refinancing your mortgage loan or are ready to shop for the best rate on a new mortgage, consider visiting an online marketplace like Credible to compare rates and get preapproved with multiple lenders at once.
Mortgage Professional America
Mortgage Professional America
27 Mar, 2024
Home price growth flatten as sales remain sluggish
Max Slyusarchuk, CEO of A&D Mortgage, believes this trend indicates that “home price growth will likely not surge going into the spring home buying season, as home sales are fairly stagnant at this moment.” Slyusarchuk predicts that a potential drop in interest rates towards the second half of 2024 could increase home sales, supported by stable values.
LowerMyBills.com
LowerMyBills.com
27 Mar, 2024
Jumbo vs. Conforming Loans: What’s the Difference?
“The actual cost difference depends on your situation, like how good your credit is and the details of your loan,” says Carl Holman, communications manager at A&D Mortgage in Hollywood, Florida.
Fox Business
Fox Business
21 Mar, 2024
Fed said interest rates will be reduced this year, just not now
In his State of the Union address earlier this month, Biden called on Congress to create legislation giving a $10,000 tax credit to first-time homebuyers and those who sell their starter homes. This move would help middle-class Americans cope with higher borrowing costs while incentivizing existing homeowners to sell more homes. "We are looking to the government to support home buyers through a slate of incentives, namely through a proposed homebuyer tax credit," Max Slyusarchuk, the CEO at A&D Mortgage said.
Scotsman Guide
Scotsman Guide
20 Mar, 2024
Fed leaves benchmark rate unchanged again; projections paint mixed picture
March’s meeting of the Federal Open Market Committee (FOMC) came and went largely as expected on Wednesday, with the policy-setting body of the Federal Reserve again keeping its anchor rate unchanged at 5.25% to 5.5%. It’s the fifth consecutive meeting that the central bank has held the benchmark rate steady at its highest level since 2001, in keeping with its well-documented “higher for longer” proclamation.
The Mortgage Reports
The Mortgage Reports
20 Mar, 2024
Fed Skips Rate Hike in March. When are the Rate Cuts Coming?
“The Fed’s decision to hold steady on rates is not a surprise to mortgage lenders as we see that inflation is not at its target yet. That said, we are looking to the government to support home buyers through a slate of incentives, namely through a proposed home buyer tax credit. These are sure to stimulate sales somewhat but won’t miraculously turn the industry around. We need the Fed to meaningfully reduce rates for that to happen,” said A&D Mortgage CEO Max Slyusarchuk.
Real Estate Bees
Real Estate Bees
15 Mar, 2024
7 Mortgage Social Media Content Ideas for Posts on Instagram, Facebook & More
The goal is to be perceived as forward-thinking and innovative, yet still deeply aligned with your core brand values and the interests of your target audience. Strategic selectivity in trend adoption demonstrates market savvy and thought leadership, positioning your brand as a knowledgeable and discerning authority in the mortgage industry. — Carl Holman, A&D Mortgage, Director of Communications and Content
Fitch Ratings
Fitch Ratings
13 Mar, 2024
Fitch Affirms A&D Mortgage LLC's U.S. RMBS Servicer Ratings
A&D's affirmed rating and Stable Outlook reflect the company's cohesive management team, satisfactory key loan servicing performance metrics, effective enterprise-wide compliance management system, efficient technology environment and financial position.
Scotsman Guide
Scotsman Guide
12 Mar, 2024
February CPI: Housing costs continue to prop up stubborn inflation readings
ARTICLE BY CEO MAX SLYUSARCHUK: Max Slyusarchuk, CEO of A&D Mortgage, acknowledged “the mixed signals these [CPI readings] present for the housing market.” “Specifically, the shelter index has increased by 5.7% over the past year, which is a critical factor for housing affordability and mortgage rates,” he said. “Homebuyers should remain cautious and consider the potential for rising costs when planning their purchases. For those thinking about buying a home or maybe refinancing, this kind of news can be a bit unsettling. Prices are climbing, and it looks like borrowing might get pricier too. But it’s not all doom and gloom. Energy prices are actually down over the year, which is a silver lining since it can help balance out some of those higher costs.”
HousingWire
HousingWire
07 Mar, 2024
Private-label securities are in demand as investors bet Fed peak is reached
Alexander Suslov, head of capital markets at A&D Mortgage, said the Florida-based lender is now working on its second private-label securitization deal of this year. He expects the company to stay on a pace for an offering every two months in 2024. “Overall, you know, we’re going down the hill [in the rate cycle],” he said. “It’s a matter of speed. … Our analytical team believes we’re approaching a bull market as far as fixed-income [securities].”
Fox Business
Fox Business
29 Feb, 2024
Q4 GDP revised down slightly – here's what that means for interest rates
"The GDP numbers confirm the resilience of the nation's economy, which signals the Federal Reserve will be more reluctant to lower interest rates later this year," A&D Mortgage CEO Max Slyusarchuk said.
Forbes Advisor
Forbes Advisor
16 Feb, 2024
What Is A Wholesale Mortgage Lender? Everything You Need To Know
A wholesale mortgage lender is one that offers home loans to a third party. For instance, wholesale mortgage lenders frequently partner with banks and credit unions to make their products available to consumers. Commonly, they offer loans exclusively through mortgage brokers. Unlike retail mortgages—which are marketed directly by lenders to consumers—you can’t apply for a loan from a wholesale mortgage lender on your own. You’ll need to work with one of the company’s third-party partners.
WRE News
WRE News
14 Feb, 2024
A&D MORTGAGE OFFERS LEAP YEAR PROMOTION FOR MORTGAGE BROKERS
Beginning today running through Feb. 29, “Leap into Savings” promotion offers a 37.5 basis point price reduction on all new Non-QM loan locks. This Leap Year promotion is available for owner-occupied properties with a minimum FICO score of 680 and financing deals up to $1.5 million.
National Mortgage Professional
National Mortgage Professional
08 Feb, 2024
A&D Mortgage Appoints New General Counsel
The Hollywood, Florida-based mortgage company welcomed Rebecca Chaney as its new General Counsel. A&D Mortgage Chaney, who holds a Doctor of Law (J.D.) degree from The Catholic University of America, Columbus School of Law, brings 17 years of experience to the role.
Scotsman Guide
Scotsman Guide
01 Feb, 2024
Take Advantage of the Best of Both Worlds
ARTICLE BY CEO MAX SLYUSARCHUK: Living in a hotel with a pool, gym, restaurant and room service while having an opportunity to effortlessly rent out your fully serviced accommodation is a coveted dream for many real estate investors. Developers and hospitality companies have been trying to make this dream a reality. The result is a relatively new breed of real estate: condo hotels or condotels — an incredibly lucrative business opportunity for investors and developers alike.
Refi.com
Refi.com
31 Jan, 2024
Understanding Different Types of Mortgage Lenders
“A mortgage lender is an entity, often a bank, credit union, or specialized mortgage company, that lends money specifically for a real estate acquisition, including residential property,” explains Carl Holman with A&D Mortgage. “Understanding the various types of mortgage lenders is crucial because each type offers distinct terms, rates, and services as well as specific pros and cons. Having this knowledge can empower you to better compare options and select the lender that best suits your financial situation, property type, and personal preferences.”
The Mortgage Reports
The Mortgage Reports
31 Jan, 2024
Fed Skips Rate Hike in January. Are Cuts on the Way in 2024?
The FOMC’s pause in hiking strategy coupled with those economic indicators signal they believe inflation and interest rates should gradually descend. “Markets had already priced in a ‘no-change’ from the Fed, but political pressure is mounting on the Federal Reserve to look to cut rates sooner than later. Unless they bend, we believe rates will begin to start to slowly pull back in the second half of this year, with many economists predicting a mortgage-positive outcome from the May meeting,” said A&D Mortgage CEO Max Slyusarchuk.
Scotsman Guide
Scotsman Guide
31 Jan, 2024
Fed keeps rate unchanged after January meeting, dampens prospects of March cut
That hasn’t stopped many stakeholders, especially within the mortgage industry, to point out that calls for rate relaxation will only grow as the months go on. Rich Traub, partner at commercial real estate law firm Smith, Gambrell & Russell, called the Fed meeting result “a mixed bag” and noted that the “messaging on rate cuts was less than enthusiastic or promising.” Max Slyusarchuk, CEO of A&D Mortgage, said that “markets had already priced in a ‘no change’ from the Fed, but political pressure is mounting on the Federal Reserve to cut rates sooner rather than later.”
Housing Wire
Housing Wire
31 Jan, 2024
As the Fed plays waiting game to cut rates, housing pros lean toward incoming economic data
“Markets had already priced in a ‘no change’ from the Fed, but political pressure is mounting on the Federal Reserve to look to cut rates sooner than later,” Max Slyusarchuk, CEO of A&D Mortgage, said in an emailed statement. “Unless they bend, we believe rates will begin to start to slowly pull back in the second half of this year, with many economists predicting a mortgage-positive outcome from the May meeting.”
National Mortgage Professional
National Mortgage Professional
31 Jan, 2024
Did Non-QM Lender's Chasing Volume Cause This Uptick In Defaults?
Kuznetsov attributes the resilience of the Imperial Funds originations to two things: their originate-to-securitize model, and how in 2022 they started placing more emphasis on valuations. “It’s always a question of how diligent you are and how diligent you want to be,” he says.
Asset Securitization Report
Asset Securitization Report
26 Jan, 2024
A&D Mortgage sponsors $392.6 million non-QM RMBS
According to the Asset Securitization Report’s deal database and Fitch, Nomura Securities International is manager of the deal and lead underwriter, while DBRS says Nomura, Barclays Capital, Mizuho Securities and Santander US Capital Markets are initial buyers of the notes.
Real Property
Real Property
26 Jan, 2024
A&D Mortgage sponsors $392.6 million in non-QM RMBS
A&D Mortgage, the Hollywood, Florida-based lender, just raised $392.6 million from investors in residential real estate-backed securities through A&D Mortgage Trust 2024-NQM1. The first deal of 2024 for A&D Mortgage is backed by fixed-rate mortgage loans, the majority of which, 91.2%, comes from A&D, according to ratings analysts Fitch Ratings and DBRS Morningstar.
Housing Wire
Housing Wire
25 Jan, 2024
A&D Mortgage expands operations in Arkansas and Mississippi
“This expansion is not only about growing our business; it’s about wholeheartedly bringing A&D Mortgage’s unwavering commitment to top-notch service, highly competitive rates, and tailored loan solutions to more Americans,” Max Slyusarchuk, CEO of A&D Mortgage, said in a statement.
Mortgage Professional America
Mortgage Professional America
24 Jan, 2024
A new era in mortgage lending begins
Mike Pearson, SVP of business development at A&D Mortgage, yearns for stability. “Some stability would be nice,” he said, expressing a desire for a more predictable market environment to navigate effectively.
Mortgage Professional America
Mortgage Professional America
19 Jan, 2024
US existing-home sales fall
Max Slyusarchuk, chief executive officer at A&D Mortgage, also underlined the likelihood of a sales uptick by the end of 2024 – although there’ll still be plenty weighing against the market throughout the year.
MBA Newslink
MBA Newslink
19 Jan, 2024
Existing-Home Sales Dip in December
A&D Mortgage CEO Max Slyusarchuk noted that home sales remain flat but said the trend won’t continue for long. “In fact, with interest rates expected to ease through 2024, we believe home sales may increase by nearly a million homes a month by the end of the year,” he said. “But while that sounds impressive, a full housing recovery where supply and demand are in balance remains years away.”
National Mortgage Professional
National Mortgage Professional
16 Jan, 2024
A&D Mortgage Adds To Team, Enhancing Conventional Lending Expertise
Industry veterans Andrew Taylor and Bobby Frank join as senior vice presidents, bringing decades of mortgage lending experience. A&D Mortgage has added Andrew Taylor and Bobby Frank to its sales team. These hires mark a focus on the company’s conventional lending expertise.
Scotsman Guide
Scotsman Guide
12 Jan, 2024
Industry Watch:
A&D Mortgage has announced the launch of its Individual Taxpayer Identification Number (ITIN) Mortgage Program, designed to extend homeownership opportunities to a broader community. This initiative offers mortgage solutions to individuals who possess an ITIN but do not have a Social Security number, catering to a previously underserved market.
Mortgage Professional America
Mortgage Professional America
12 Jan, 2024
A&D Mortgage expands non-QM services to Maine
&D Mortgage has expanded its licensing to include Maine as part of its efforts to extend its presence across the United States. Customers in Maine can now access the company’s various mortgage offerings, including conventional loans, FHA loans, and non-QM loans. A&D said this expansion “aligns with the company’s strategy to adapt to diverse housing needs and market dynamics.”
CNN Underscored
CNN Underscored
11 Jan, 2024
Fixed-rate vs. adjustable-rate mortgage: How to compare and choose
If you’re attracted to ARMs, consider a shorter initial fixed period, said Max Slyusarchuk, CEO of A&D Mortgage. Slyusarchuk recommended a 3/1 ARM over a 7/1 ARM in the near term because “the market thinks the Federal Reserve will start cutting rates as soon as [2024].” The interest rates offered for a 3-year and 7-year ARM are comparable, so “why wait seven years to be due a recalculation? The sooner you get to your recalculation, the better.”
Mortgage Professional America
Mortgage Professional America
09 Jan, 2024
A&D Mortgage debuts ITIN program for diverse homebuyer needs
A&D Mortgage has rolled out its new ITIN Mortgage Program to expand homeownership opportunities to a more diverse community. The new program is designed for individuals holding an Individual Taxpayer Identification Number (ITIN) but who do not have a Social Security number, including first-time homebuyers and property investors.
Mortgage Professional America
Mortgage Professional America
08 Jan, 2024
A&D Mortgage marks new territories in the Midwest and Northwest
“These expansions are testaments to our commitment to provide quality mortgage solutions and exceptional service to our clients,” A&D Mortgage CEO Max Slyusarchuk said in a media release. “It’s exciting that these are among our newest licenses, and we look forward to building strong relationships with homeowners and real estate professionals in these regions.”
Mortgage Professional America
Mortgage Professional America
03 Jan, 2024
Why 2024 will be "an amazing year" for the mortgage industry
As a result, Florida-based A&D Mortgage is poised to respond to improved market conditions in the coming months with customer-tailored offerings. Mike Pearson (pictured left), senior vice president of business development at A&D Mortgage, recently offered his outlook to Mortgage Professional America. “I think we are on the verge of seeing some progress,” he said during a telephone interview. “I think we’re right on the line where people are starting to get interested but haven’t necessarily jumped in with both feet.”
National Mortgage Professional
National Mortgage Professional
02 Jan, 2024
Meet The NMP 2024 Industry Titans
Collaboration in the mortgage industry is not just beneficial; it’s essential, says Industry Titan Max Slyusarchuk. “I have always believed that the complex challenges we face, such as navigating economic fluctuations or evolving regulatory landscapes, are best tackled through collective effort. To facilitate this, I actively participate in industry roundtables and serve on advisory boards where open dialogue is encouraged.
Scotsman Guide
Scotsman Guide
02 Jan, 2024
Open the Vault
ARTICLE BY CEO MAX SLYUSARCHUK: One consequence of the interest rate hikes over the past few years is that some homeowners are staying put and tapping the equity in their homes. Given the rapid appreciation in the housing market, many homeowners have large amounts of equity in their homes. The average U.S. homeowner possessed an impressive $288,000 in equity at the midpoint of 2023, according to CoreLogic. This was a substantial increase from the $182,000 recorded prior to the COVID-19 pandemic. One popular way to access home equity is with a second mortgage.
Housing Wire
Housing Wire
29 Dec, 2023
How LOs, mortgage execs are preparing for 2024
“It finally seems like we are turning a corner and that’s good news after two years of the Fed’s negative perspective that we’ve heard,” Max Slyusarchuk, CEO of A&D Mortgage, said in an interview.
Mortgage Professional America
Mortgage Professional America
22 Dec, 2023
Lender offers "Winter Wonderland Savings"
“So, we look at where are the best-performing loans that we’re seeing right now and do some targeted pricing to assist those borrowers in those buckets where loans are going to perform a little bit better anyway.
National Mortgage News
National Mortgage News
14 Dec, 2023
The Fed is finally ready to relax a little — can lenders?
Most lenders are not anticipating rates will be that low any time soon. "This is the beginning of mortgage rates beginning to slowly decline through 2024. However, we don't expect rates to fall that much," said Max Slysarchuck, CEO, A&D Mortgage
The MReport
The MReport
13 Dec, 2023
Fed Forgoes Holiday Interest Rate Hike
A&D Mortgage CEO Max Slyusarchuk on the FOMC’s recent announcement to hold steady on interest rates and what this means for home buying. “We project that we are at the end of the period when the Fed will raise interest rates. In other words, this is the beginning of mortgage rates beginning to slowly decline through 2024. However, we don’t expect rates to fall that much in this period and it may not offset rising home prices in hot housing markets. So, homebuyers who wait on the sidelines for better rates next year may find the waiting game didn’t pay the dividends they expected.”
Scotsman Guide
Scotsman Guide
13 Dec, 2023
Fed holds rates steady again, says ‘we are likely at or near peak rate’
Max Slyusarchuk, CEO of A&D Mortgage, agreed about the direction of the rate curve, projecting the slow decline of interest rates through 2024. Like Hepp, he also cautioned that stakeholders, especially homebuyers, shouldn’t expect immediate rewards. “We don’t expect rates to fall that much in this period and it may not offset rising home prices in hot housing markets,” Slyusarchuk said. “So, homebuyers who wait on the sidelines for better rates next year may find the waiting game didn’t pay the dividends they expected.”
Housing Wire
Housing Wire
13 Dec, 2023
What Fed rate cuts in 2024 will mean for homebuyers
While mortgage rates are expected to decrease, high home prices combined with low inventory still pose a challenge for potential homebuyers. “We don’t expect rates to fall that much in this period and it may not offset rising home prices in hot housing markets. So, homebuyers who wait on the sidelines for better rates next year may find the waiting game didn’t pay the dividends they expected,” said Max Slyusarchuk, CEO of A&D Mortgage.
DS News
DS News
13 Dec, 2023
Federal Reserve Holds Rates Steady Moving Into the New Year
A&D Mortgage CEO Max Slyusarchuk on the FOMC’s recent announcement to hold steady on interest rates and what this means for home buying. “We project that we are at the end of the period when the Fed will raise interest rates. In other words, this is the beginning of mortgage rates beginning to slowly decline through 2024. However, we don’t expect rates to fall that much in this period and it may not offset rising home prices in hot housing markets. So, homebuyers who wait on the sidelines for better rates next year may find the waiting game didn’t pay the dividends they expected.”
Progress in Lending Association
Progress in Lending Association
13 Dec, 2023
What Will The Fed’s Decision To Stop Raising Rates Really Mean For Our Industry Next Year?
The news of The Fed’s decision sent the Dow through the roof, soaring to new heights. However, lenders and technology vendors alike have been burned by The Fed’s prior rate hikes and take a more measured view. “We project that we are at the end of the period when The Fed will raise interest rates,” noted Max Slyusarchuk, CEO of A&D Mortgage. “In other words, this is the beginning of mortgage rates beginning to slowly decline through 2024. However, we don’t expect rates to fall that much in this period and it may not offset rising home prices in hot housing markets. So, homebuyers who wait on the sidelines for better rates next year may find the waiting game didn’t pay the dividends they expected.”
Mortgage Professional America
Mortgage Professional America
12 Dec, 2023
Mastering mortgage market challenges
Mike Pearson, SVP of business development at A&D Mortgage, highlighted the rising overall cost of mortgages. While interest rates dominate media discussions, additional factors, such as increased housing costs, higher taxes, and insurance rates, compound the issue. Pearson explained that these pressures, from all sides, create a formidable challenge for prospective buyers.
Mortgage Professional America
Mortgage Professional America
07 Dec, 2023
A&D Mortgage expands access to non-QM loans in Iowa
“A&D Mortgage’s entry into the Iowa market marks a new chapter in our journey to provide innovative and customer-centric mortgage products across the United States,” said A&D Mortgage CEO Max Slyusarchuk.
Mortgage Professional America
Mortgage Professional America
01 Dec, 2023
What is the best way to secure more leads?
In the latest edition of MPATV, experts answer one of the most important questions of all - how can you secure more leads? If you want to ramp up your business, check out this video now.
Mortgage Professional America
Mortgage Professional America
30 Nov, 2023
Mortgage pros' guide to lead generation
Mike Pearson, senior VP of business development at A&D Mortgage, added his perspective, highlighting the need for innovation in getting noticed. He pointed out that having a website and a minimal online presence are no longer sufficient. Instead, he recommends leveraging Google services, refining your profile, and establishing a strong online brand presence. Networking events, conferences, and face-to-face interactions also play a crucial role in expanding your reach.
USA Today
USA Today
28 Nov, 2023
How much of your income should go toward a mortgage?
“There’s no one-size-fits-all answer to what percentage of your income should go toward your mortgage,” says Carl Holman, communications manager at A&D Mortgage. When you choose a formula to follow, you should “consider all aspects of homeownership, and stick to a budget that aligns with your financial well-being and aspirations,” Holman says.
USA Today
USA Today
23 Nov, 2023
15-year vs. 30-year mortgage: Which is the better option?
“Opting for a 30-year mortgage over a 15-year one makes sense when you prioritize flexibility in your monthly payments,” says Alexander Suslov, head of capital markets at A&D Mortgage.
USA Today
USA Today
21 Nov, 2023
When To Choose A Fixed-Rate Mortgage Vs. An Adjustable-Rate Mortgage (ARM)
“An ARM can be appealing if you plan to stay in your home for a shorter period,” says Alexander Suslov, head of capital markets at A&D Mortgage. “This choice can potentially offer lower initial rates, providing short-term cost savings. However, if you’re in it for the long haul and desire predictability in your payments, a fixed-rate loan might be the better fit, safeguarding against potential interest rate fluctuations over time.”
Mortgage Professional America
Mortgage Professional America
17 Nov, 2023
Despite challenges, housing is still a safe bet
With high rates, elusive affordability and low inventory, there’s been much lament recently on the state of the housing industry. And yet the sector remains arguably the strongest in all asset classes and the one expected to perform the best once the fog of inflation lifts. “In our opinion, the housing market is going to hold on way better than any other asset,” Max Slyusatchuk (pictured top left), CEO of A&D Mortgage, told Mortgage Professional America in a recent telephone interview.
National Mortgage Professional
National Mortgage Professional
13 Nov, 2023
U.S. Home Prices Surge 4.5% YoY
"The resilience of home price growth, especially in the Northeast, is a testament to the enduring demand and the fundamental economic principles supporting the market," Slyusarchuk said. "Maine's remarkable 10.1% annual increase underscores the significant regional disparities that we, as mortgage professionals, must account for in our client consultations. It’s not just about understanding the national trend, but interpreting how localized factors will affect home buying patterns and mortgage affordability."
Investing.com
Investing.com
10 Nov, 2023
Mortgage rates see fluctuations as economy slows
Simultaneously, home prices show no signs of decreasing, with A&D Mortgage CEO Max Slyusarchuk indicating that prices continue an upward trajectory. CoreLogic's latest insights reveal a 4.5% year-over-year increase in U.S. single-family home prices as of September.
Fox Business
Fox Business
10 Nov, 2023
Mortgage rates drop again, housing forecast looking more favorable: Freddie Mac
"The forecasted 2.6% growth over the next year, while moderate, suggests that home prices are not in a free fall but adjusting to a new equilibrium," A&D Mortgage CEO Max Slyusarchuk said in a statement. "This is a key point for mortgage brokers to communicate to prospective homebuyers who might be on the fence, contemplating the timing of their purchase."
Connect
Connect
30 Oct, 2023
Connect with Michael Pearson, SVP Business Development, A&D Mortgage | Episode 170
On this week's Connect podcast, Susan Milazzo, CEO of the California Morgage Bankers Association, and Michael Pearson, SVP of Business Development, explore his journey into the industry, strategies for staying competitive in a purchase market, and the exciting potential of non-QM lending. Join them for an in-depth look at the current state of the mortgage industry!
Fox Business
Fox Business
27 Oct, 2023
Rising mortgage rates stall housing market: Freddie Mac
"The mortgage industry, like any other sector, reacts to broader economic signals," A&D Mortgage CEO Max Slyusarchuk said in a statement. "If the Federal Reserve decides to increase rates further, especially with the housing market already experiencing the challenges of high borrowing rates, it's likely we'll see mortgage rates climb."
Refi.com
Refi.com
10 Oct, 2023
How a Cosigner Can Help You Qualify For a Mortgage
“When you cosign a mortgage, you are essentially vouching for the borrower’s ability to make payments, and you commit to making mortgage payments on their behalf if they fail to do so,” explains Carl Holman, communications manager for A&D Mortgage.
Scotsman Guide
Scotsman Guide
01 Oct, 2023
Putting Down Roots
ARTICLE BY CEO MAX SLYUSARCHUK: Did you know that nonresident foreign buyers tend to opt for all-cash purchases while new U.S. residents with nonimmigrant visas more commonly choose to finance their homes with a mortgage? A lack of awareness about financing options for foreign national buyers with little or no U.S. credit history might explain why these newcomers wait two to three years to establish credit before buying a house, and why nonresident buyers often make all-cash purchases. Recently, there has been growth in creative mortgage programs for foreign nationals who lack credit in the U.S., including recent immigrants with visas as well as nonresidents.
Mortgage Professional America
Mortgage Professional America
27 Sep, 2023
Lender adjusts LTV ratios in response to market
A&D Mortgage has altered its LTV ratios for select programs, specifically catering to Super Prime borrowers. Moreover, the lender has introduced enhancements to its Debt Service Coverage Ratio (DSCR) programs. Mortgage Professional America reached out to Michael Pearson, senior vice president of business development at A&D Mortgage, to learn more about the advantages the changes have for borrowers.
Housing Wire
Housing Wire
12 Sep, 2023
The next refi boom’s double-edged sword: EPOs
Max Slyusarchuk, CEO of the non-QM lender A&D Mortgage, believes that EPOs are not a significant issue because it is rare that a borrower completes a loan and then pays it off in under six months. While mortgage rates can drop, they generally don't move quickly enough to create an issue within six months, he said.
Scotsman Guide
Scotsman Guide
01 Sep, 2023
Net Worth Can Matter More Than a Pay Stub
ARTICLE BY CEO MAX SLYUSARCHUK: Self-employed individuals, as well as retirees or people who rely on investment income, often face difficulties in obtaining a conventional mortgage. This is due to their inability to provide verifiable W-2 income typically required by most lenders. But there are ways for these people to finance the home of their dreams. Individuals facing such circumstances often seek assistance from lenders that offer nonqualified (non-QM) mortgages, which are loans that cannot be purchased by the federal government or the government-sponsored enterprises. One of these non-QM products is an option known as an asset utilization loan.
Housing Wire
Housing Wire
23 Aug, 2023
Where are mortgage rates headed?
Max Slyusarchuk, CEO of A&D Mortgage, said that according to the non-QM lender’s internal analytics, rates over 6.25% are “cost prohibitive” for the general population and not a normal situation. However, with rates “from 6.25% to 8.5%, there will still be people who will bite.”
Housing Wire
Housing Wire
17 Aug, 2023
Just 16 mortgage lenders, brokers make Inc. 5000 list in 2023
Non-qualified mortgage (non-QM) wholesale lender AD Mortgage scooped up origination volume largely due to the improvement in tech that ultimately helped it gain market share from competitors, Max Slyusarchuk, CEO of A&D Mortgage, previously said in an interview with HousingWire. The lender developed its proprietary loan origination software, servicing software, pricing engine and customer relationship management system last year pivoting from using a third-party mortgage tech software systems. “We continue investing in tech while it’s not that crazy busy. We are doing a lot of research and development in it and artificial intelligence,” Slyusarchuk said. “We believe that this is the time of opportunity because the rates can go up, but sooner or later, they will start coming down.”
Mortgage Professional America
Mortgage Professional America
17 Aug, 2023
Mortgage companies secure spots in Inc. 5000 list
“We are ecstatic and honored to be included in the Inc. 5000 list of 2023, a true reflection of our team’s hard work and unwavering dedication,” A&D Mortgage CEO Max Slyusarchuk said. “This achievement underscores our commitment to delivering exceptional services to our clients while maintaining a sustainable and robust growth trajectory in a challenging rate environment.”
Housing Wire
Housing Wire
15 Aug, 2023
Surviving non-QM lenders are gaining business now
Alexander Suslov, head of capital markets at A&D Mortgage LLC, said whole loans in the current mortgage market, on a weighted average, are selling in the range of 102 or 103 — with par being 100. “When mortgage originators get 102 [for a whole-loan sale] and their cost to originate is around 102 as well, those who have less efficient production … they tend to [exit] the market, while those who can get as efficient as possible survive and thus acquire larger market share,” he said.
Scotsman Guide
Scotsman Guide
01 Aug, 2023
Forewarn Buyers About Natural Disaster Dangers
ARTICLE BY CEO MAX SLYUSARCHUK: Mortgage professionals should take the time to educate their clients about the potential risks and liabilities associated with purchasing real estate in areas prone to natural disasters.
Refi
Refi
07 Jul, 2023
Using Home Equity to Buy a Second Home
“Generally, second homes are not intended to be the primary residence and may have limitations on how long or little you can occupy it,” Alexander Suslov, head of Capital Markets for A&D Mortgage, LLC, says.
Home Equity Lending News
Home Equity Lending News
13 Jun, 2023
2nd Lien Program Launched, Loans to be Securitized
“Our goal is to surpass the competition by delivering superior service, flexible options, unparalleled technology, and personalized solutions tailored to our clients’ unique needs,” Slyusarchuk said.
Scotsman Guide
Scotsman Guide
01 Jun, 2023
The Allure of Luxury
ARTICLE BY CEO MAX SLYUSARCHUK: The number of million-dollar homes in the U.S. has risen substantially. In 2015, there were approximately 2 million homes worth $1 million or more. By 2021, this figure had grown to 4.2 million homes. The availability of jumbo mortgages has helped to fuel the growth of the luxury home market in several ways. For one, it has allowed buyers to access the funds they need to purchase high-end homes without having to rely on personal savings or other sources of financing. This has made it easier for individuals and families to enter the luxury home market, which was previously reserved for only the wealthiest buyers.
MSN
MSN
12 May, 2023
What is a mortgage note?
“For a borrower, signing a mortgage note means they are legally obligated to repay the loan according to the terms outlined in the document,” says Max Slyusarchuk, CEO of A&D Mortgage. “This includes making regular payments on time and in full and adhering to any other conditions or requirements stipulated in the note.”
Buy Side - Wall Street Journal
Buy Side - Wall Street Journal
08 May, 2023
How to Get a Mortgage if You’re Self-Employed
Self-employment can sound ideal. You work for yourself, create your own schedule and follow your own rules—that is, until you want to buy a house. The reasons are many, but the gist is this: Mortgage lenders want to see reliable, consistent income, but if you’re self-employed, there are no W-2 to hand over and no employer to verify your earnings with.
Fitch Ratings
Fitch Ratings
05 May, 2023
Fitch Assigns Final Ratings to A&D Mortgage Trust 2023-NQM2
Fitch Ratings has assigned final ratings to A&D Mortgage Trust 2023-NQM2 (ADMT 2023-NQM2).
MSN
MSN
04 May, 2023
FHA vs. conventional loan: What’s the difference?
Thanks to this extra financial safety net, lenders can be more lenient in who they loan money to with FHA mortgages. As Max Slyusarchuk, CEO at A&D Mortgage, explains, “FHA loans are often more forgiving when it comes to credit score requirements. Borrowers can qualify with a credit score as low as 580, while conventional loans generally require a minimum score of 620 or higher.”
SF Gate
SF Gate
03 May, 2023
FHA loan limits for 2023
“When home prices rise, the loan limits may increase to allow borrowers to qualify for larger mortgages,” says Max Slyusarchuk, CEO at A&D Mortgage. “Conversely, if home prices decrease, the loan limits may be lowered to reflect the change in the market.”
Morningstar DBRS
Morningstar DBRS
18 Apr, 2023
DBRS Morningstar Assigns Provisional Ratings to A&D Mortgage Trust 2023-NQM2
DBRS, Inc. (DBRS Morningstar) assigned provisional ratings to the following Mortgage Pass-Through Certificates, Series 2023-NQM2 (the Certificates) to be issued by A&D Mortgage Trust 2023-NQM2 (the Trust): -- $240.5 million Class A-1 at AAA (sf) -- $44.5 million Class A-2 at AA (low) (sf) -- $30.7 million Class A-3 at A (low) (sf) -- $17.1 million Class M-1 at BBB (low) (sf) -- $21.0 million Class B-1 at BB (low) (sf) -- $14.2 million Class B-2 at B (low) (sf)
Boston Business Journal
Boston Business Journal
13 Apr, 2023
Feds expand 40-year mortgage eligibility. Experts say it could lead to more.
Federal officials are expanding access to 40-year mortgages to cope with affordability challenges, but experts say the change could have drawbacks.
Fox Business
Fox Business
13 Apr, 2023
Biden declares COVID-19 emergency over, but homeowners still have time to file for forbearance, FHA says
The proposal, as written, is a step forward in providing mortgage servicers the ability to modify distressed homeowners ten extra years to pay off their mortgage, with a lower monthly payment, A&D Mortgage CEO Max Slyusarchuk said.
Mortgage Professional America
Mortgage Professional America
11 Apr, 2023
A&D Mortgage offers non-QM purchase loan lender credit
Non-QM lender AD Mortgage has announced a purchase loan credit offering for its mortgage broker partners, available for a limited time period.
Scotsman Guide
Scotsman Guide
01 Apr, 2023
Did Your Client Catch the Real Estate Investment Bug?
When mortgage lenders evaluate a borrower’s loan application, many factors are considered to determine creditworthiness. Among these are credit scores, employment history, downpayment size, debt-to-income ratio and the submission of all required documentation.
Buy Side - Wall Street Journal
Buy Side - Wall Street Journal
24 Mar, 2023
The Best Mortgage Lenders of 2023
Our main category winners consist of lenders in the Consumer Financial Protection Bureau’s top 20 for origination volume for 2021, but the mortgage brokers we spoke to recommended smaller lenders for self-employed and nontraditional borrowers. These included Angel Oak Home Loans, Axos Bank, AD Mortgage and 5th Street Capital, all of which offer nonqualified mortgage and bank statement loans for self-employed borrowers.
SF Gate
SF Gate
23 Mar, 2023
What is a second mortgage and how does it work?
“A second mortgage is when you take out a loan against the equity in your home after you have already taken out traditional financing,” says Alexander Suslov, head of capital markets at A&D Mortgage.
SF Gate
SF Gate
21 Mar, 2023
Mortgage rates stink, but you have to move. Now what?
“ARMs are a good choice for those who do not plan to be in the home for an extended period, as these loans offer flexible rates for an introductory period,” says Alexander Suslov, head of capital markets at A&D Mortgage.
Housing Wire
Housing Wire
08 Mar, 2023
How loan officers are dealing with surging rates and record-low inventory
Mortgage rates exceeded 7%, but LOs still see bidding wars in some neighborhoods due to inventory shortage.
Housing Wire
Housing Wire
02 Mar, 2023
How non-QM lender A&D Mortgage grew origination volume in 2022
When the entire mortgage industry saw volume drop by more than half in 2022, nearly every lender emerged with battle scars. Rising rates caused refinances to dry up, production plummeted, and pink slips were issued to employees.
Scotsman Guide
Scotsman Guide
01 Feb, 2023
The 40-Year Mortgage Gains Traction
Owning a home is an essential component of the American dream. From young first-time homebuyers to older homeowners who depend on their equity in retirement, owning a home is an investment in one’s future. It also is a place where families are raised, friends are entertained and sanctuaries are created. In the current era of high interest rates and record home prices, owning a home is increasingly out of reach for many people.
The Principal Podcast
The Principal Podcast
26 Jan, 2023
Are Non-QM Lenders Starting to Win Over Investors
Adding product lines and partnering with new lenders takes time and research. So how do you know that the lender will stay in business? A&D Mortgage SVP of Business Development Michael Pearson talks about whether investors are coming around on non-QM loans.
Scotsman Guide
Scotsman Guide
01 Jan, 2023
A Break in the Clouds
For many in the mortgage industry, 2022 is a year that won’t be missed. Rampant inflation, rising interest rates and skyrocketing home prices combined with housing, labor and material shortages, as well as substantial declines in new home construction and refinance originations. These conditions proved beyond challenging for many in the business.
Mortgage Professional America
Mortgage Professional America
22 Dec, 2022
A&D Mortgage rolls out new temporary rate buydown programs
A&D Mortgage has rolled out new temporary rate buydown programs designed to give high-net-worth borrowers “more flexibility” with their home financing options, the non-QM lender announced this week.
Mortgage Professional America
Mortgage Professional America
17 Oct, 2022
Top Originator Spotlight: AD Mortgage's Irina Slyusarchuk
She calls 2022 "a year to remember" despite challenges
Scotsman Guide
Scotsman Guide
01 Jul, 2022
When Partnering With a Lender, Consider Their Tech
The mortgage industry is undergoing a technological revolution with new innovations seemingly happening every day. All parts of the industry are evolving quickly as new tools change how people buy and finance homes. The mortgage process itself is at the center of this.
Mortgage Professional America
Mortgage Professional America
08 Jun, 2022
Lending options to combat rising rates, escalating home prices
Lending options to combat rising rates, escalating home prices
Mortgage Professional America
Mortgage Professional America
08 Jun, 2022
A&D Mortgage: Spring into the non-QM market
There are market forces in play that could make the home buying process challenging
National Mortgage Professional
National Mortgage Professional
08 Apr, 2022
The Non-QM Pig Pile
Suddenly, everyone’s in the scrum. Analysts say the odds aren’t great.
Mortgage Professional America
Mortgage Professional America
04 Mar, 2022
"Brokers have to keep the lights on"
CEO on why LOs cannot afford to turn their backs on non-QM
Mortgage Professional America
Mortgage Professional America
02 Mar, 2022
Geopolitical crisis could slow pace of Fed interest rate hikes
Inflation is at its highest level for 40 years