Programs

Non-QM
Jumbo
Conventional
Government
Second Lien

Borrower type

Income type

Submit a Scenario Guidelines

Second Mortgage

Min. FICO 680 Up to 85% CLTV

A solution to secure additional funding with existing equity

Loan amounts up to $500,000
DTI up to 50%
Owner-occupied, second home, or investment
Min FICO 680

DSCR

Min. FICO 620 Up to 80% CLTV

Close DSCR loan with the fastest turn times in the industry

Credit for DSCR >1.25
No income no employment
Short-term rentals up to 80% CLTV
DSCR as low as 0

12/24 Month Bank Statement

Min. 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

ITIN

Min. FICO 660 Up to 80% CLTV

Expand your mortgage portfolio for borrowers without an SSN

Min FICO 660 and up to 80% CLTV for Super Prime
Min FICO 700 and up to 70% CLTV for DSCR
Loan amounts up to $1.5 million
Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV

The easiest alternative solution for self-employed borrowers

P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
Bank statements not required up to 70% LTV
Loan amounts up to $2.5 million
Min FICO 660

1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV

A flexible Non-QM solution for Full Doc borrowers

Loan amounts up to $4 million
DTI up to 55% on owner-occupied
Min. 3 months of reserves
Min FICO 620

1099

Min. FICO 620 Up to 85% CLTV

An ideal loan for sole proprietors or contract individuals

1099s for the last 1 year
1-year history with the same employer
Gift funds allowed
Loan amounts up to $4 million

WVOE

Min. FICO 620 Up to 80% CLTV

A loan solution for salaried borrowers with no tax returns

Bank statements not required up to 70% LTV
Min. 3 months of reserves
No tax returns required
A two-year history with the same employer is required

Asset Utilization

Min. FICO 620 Up to 80% CLTV

An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed

Qualifying assets / 60 months
Min. 3 months of reserves
Loan amounts up to $4 million
Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts

Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV

Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings

Loan amounts up to $3 million
Cash-out allowed
DSCR < 1 requires min FICO 680 or no FICO
Up to 70% СLTV purchase / Up to 65% СLTV cash-out

Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV

Qualify Foreign National borrowers with overseas income

Loan amounts up to $3 million
Overseas assets allowed
RON allowed
Cash-out allowed

Conventional Standard

Min. FICO 620 Up to 97% CLTV

An affordable financing option with standard requirements

Loan amounts up to $806,500
DTI up to 50%
Minimum down payment 3%
LTV up to 97%

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV

The perfect fit for borrowers with limited down payment capabilities

Loan amounts up to $806,500
DTI up to 50%
Primary residence
Minimum down payment 3%

Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV

An affordable mortgage option for low- to moderate-income individuals

Loan amounts up to $806,500
DTI up to 50%
Cancelable MI
Minimum down payment 3%

Conventional High Balance

Min. FICO 620 Up to 97% CLTV

Qualify homebuyers seeking properties exceeding the standard limits

Loan amounts up to $1,209,750
DTI up to 50%
Primary, secondary homes, and investment
Minimum down payment 3%

Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV

A flexible refinance option with simplified underwriting

Reduced documentation
DTI up to 65%
Owner-occupied, 1-unit primary residence
LTV up to 97%

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV

A flexible refinance option with simplified underwriting

Reduced documentation
DTI up to 65%
Owner-occupied, 1-unit primary residence
LTV up to 97%

Prime Jumbo

Min. FICO 680 Up to 80% CLTV

A solution for borrowers seeking large home loans

Loan amounts up to $2.5 million
DTI up to 45%
No MI required
Up to 80% СLTV purchase / Up to 75% СLTV cash-out

FHA Standard

Min. FICO 620 Up to 97.75% CLTV

Qualify homebuyers with limited down payment capabilities

Loan amounts up to $498,257
DTI up to 55%
LTV up to 97.75%
A maximum LTV of 80% for cash-out refinances

FHA High Balance

Min. FICO 620 Up to 97.75% CLTV

A mortgage option allowing for larger loan amounts in high-cost areas

Loan amounts up to $1,149,825
DTI up to 55%
Primary residence
LTV up to 97.75%

FHA Streamline Refinance

Current FHA loan refinance solution with minimal requirements

Min. 6 payments on current FHA loan
Primary residence
No appraisal for stick-built properties
No DTI verification

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

Closing

24 hours

24 hours

Ready to get started?

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