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12/24 Months Bank Statements

Perfect fit for self-employed borrowers who are unable to document income with tax returns. A&D Mortgage provides flexibility for the borrower that cannot obtain financing with traditional tax returns. ADM knows borrowers should not miss out on the opportunity of home ownership just because they don’t fit into the box that traditional, out-dated lenders require.

Program highlights:

  • Loan Amount up to $3mm
  • Max Cash in hand $1,000,000
  • 90% LTV
  • FICO 580
  • 50% expense ratio or expense ratio provided by CPA/Tax Preparer
  • Cash out up to 80% LTV
  • Super Prime & Prime Programs
  • Business or personal Bank STMTs

Video tutorial

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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Asset Utilization

- Savings and CHK. 100%
- Securities at 90%
- Retirement at 70%
- 75% LTV
- FICO 580
- Cash out available - Income calculation All Eligible Assets Divided by 100
- Cash out up to 75% LTV
- Super Prime & Prime Programs

Full Doc NQM

- Traditional Income
- Loan Amount up to
- Max Cash in hand
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime

Prime Jumbo

- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU


- No Income, No Employment
- 80% LTV
- FICO 599
- DSCR as low as 0
- 30 Year Fixed, 5/1 ARM, 7/1ARM
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- Cash out proceeds may be used for Reserves