SUBMIT A SCENARIO
GET IN TOUCH
EXTENDED TO MARCH: IMPROVED PRICING
4.8 Stars | 1153 reviews
4.7 Stars | 91 reviews
50 bps on select Non-QM and Second Lien loans
25-37.5 bps on 30Y Conventional loans up to $300K
GET THE DETAILS
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New Pricing for All Partners
Not a Partner? Start now to
receive the special pricing offers
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Win Even More Deals
Non-QM, Second Lien, Conventional loans
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Limited-time Offers
Grab these offers before
March 31!
SPECIAL OFFERS END IN:
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PRICING EDGE IS LIVE
LOCK DEALS WITH BENEFITS
Icon 50 bps on Asset Utilization income type on Non‑QM and 2nd Lien loans
Icon 50 bps on 2‑Year Full‑Doc income type on Non‑QM and 2nd Lien loans
Icon 25-37.5 bps on 30Y Conventional loans up to $300k
SUBMIT A SCENARIO

Solutions for any scenario request

AD MORTGAGE PROGRAMS

Programs

DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with fast turn times
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0
Learn More

12/24 Month Bank Statement

No Score or FICO 620 Up to 90% CLTV
A perfect fit for self-employed borrowers
  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Concierge Service for income calculation
  • Min. FICO 620 or no score; for I/O Min. FICO 680 & FTHB no allowed
Learn More

ITIN

Min. FICO 660 Up to 80% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 70% CLTV for Super Prime
  • DTI up to 50%
  • Loan amounts up to $1.5 million 
  • Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700
Learn More
All Programs

HOW TO GET UP TO 50 BPS

STEP 1
Go to the AIM
Partner Portal
STEP 2
Lock an eligible promo loan
STEP 3
The offer applies immediately!
Check Out Terms and Conditions
Any questions? Please contact:
1. Your Account Executive
2. Partner Support
email partnersupport@admortgage.com
ACCESS AIM
PARTNER WITH US

WHY CHOOSE AD MORTGAGE

Mortgage Lender You Can Trust

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9,000+ partners

More than 9,000 partnering brokerage companies

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20 years

20 years in the mortgage industry

national winner for ai in mortgage
innovating the future of mortgage technology
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49 states

Operating from coast to coast

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30 min

Responding to requests within 30 minutes

Your reliable Partner

OUR AWARDS

2025, HousingWire
Tech100 Mortgage Winner
non-qm lender
2024, Scotsmans Guide
#1 Non-QM Lender
originator choice award
2024, NMP
Originator Choice Awards
2025, Stevie Awards
Innovating the Future of Mortgage Technology

WHY WE ARE TRUSTED

And what I love the most is that you guys are listening. You value what we are telling you, as partners, and it’s so important because you’re hearing us and you’re making changes for that growth.
Tara Hickey
Senior Vice President
1:43
Watch video
Quick Pricer is one of my favorite tools to use just to see what the rates are or whether we can offer that program to the client at the beginning. Also, the account executives are great – they’re always there to answer questions.
Rudy Garcia
Mortgage broker
1:38
Watch video

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
Watch video

The main thing with AD is that you guys do the deals that nobody else does. When you’re in the Non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.

Ernesto Alum
Loan Officer
2:15
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

As a mortgage loan officer, I have the opportunity to work with many mortgage lenders. AD continues to impress with speed, efficiency, systems, rates, staff, from top to bottom a very pleasant experience working with A&D Mortgage.

Don Robinson
Posted to
04/29/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez
Posted to
06/17/2025
And what I love the most is that you guys are listening. You value what we are telling you, as partners, and it’s so important because you’re hearing us and you’re making changes for that growth.
Tara Hickey
Senior Vice President
1:43
Watch video
Quick Pricer is one of my favorite tools to use just to see what the rates are or whether we can offer that program to the client at the beginning. Also, the account executives are great – they’re always there to answer questions.
Rudy Garcia
Mortgage broker
1:38
Watch video

AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage. 

Sam Gabay
Loan Officer
1:47
Watch video

The main thing with AD is that you guys do the deals that nobody else does. When you’re in the Non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.

Ernesto Alum
Loan Officer
2:15
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

As a mortgage loan officer, I have the opportunity to work with many mortgage lenders. AD continues to impress with speed, efficiency, systems, rates, staff, from top to bottom a very pleasant experience working with A&D Mortgage.

Don Robinson
Posted to
04/29/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

Ivette Vazquez Velazquez, PA
Posted to
09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

Jacqueline Hernandez
Posted to
06/17/2025
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WHAT SERVICES WE PROVIDE

AIM Partner Portal
A free platform to submit and fund loans quickly
  • Take advantage of AI in mortgage
  • Track the progress of each loan
  • Create your disclosure package in 1 minute
ADvantage:
Loyalty Program
A service that grants you benefits of working together
  • Save your clients money
  • Get more control & close faster
  • Receive exclusive gifts
now live aus
Non-QM AUS
The first integrated Non-QM AUS in mortgage history!
  • Generate automated conditions
  • Get pre-approval in 5 minutes
  • Close Non-QM deals faster
Loan Income
Calculator
A tool perfect for W2 and self-employed borrowers
  • Simplify your lending choices
  • Get a reliable income analysis
  • Enjoy eligibility assessment
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call
LEADer CRM
A free platform to help you become an industry leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress
AIM Partner Portal
A free platform to submit and fund loans quickly
  • Take advantage of AI in mortgage
  • Track the progress of each loan
  • Create your disclosure package in 1 minute
ADvantage:
Loyalty Program
A service that grants you benefits of working together
  • Save your clients money
  • Get more control & close faster
  • Receive exclusive gifts
now live aus
Non-QM AUS
The first integrated Non-QM AUS in mortgage history!
  • Generate automated conditions
  • Get pre-approval in 5 minutes
  • Close Non-QM deals faster
Loan Income
Calculator
A tool perfect for W2 and self-employed borrowers
  • Simplify your lending choices
  • Get a reliable income analysis
  • Enjoy eligibility assessment
chatbot logo
AIM Assistant
Your 24/7 Loan Support Tool
  • Request Loan Changes
  • Ask AI Guideline Assistant
  • Reach Partner Support
    for a live call
LEADer CRM
A free platform to help you become an industry leader
  • Manage your leads
  • Create email campaigns
  • Track loan progress