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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:

  • Business and Personal
  • Loan amount up to $2mm
  • 80% LTV
  • 680 FICO ( 80% LTV)
  • 100% Deposits Accepted
  • 50% expense ratio or expense letter from CPA/Tax preparer

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

- Cash at 100%
- Securities at 90%
- Retirement at 70%
- 75% LTV
- FICO 680
- Cash out available
- Income calculation – All Eligible Assets Divided by 100

Full Doc NQM

- Traditional Income Docs
- Loan amount up to $2mm
- 80% LTV
- 680 FICO (80% LTV)

Prime Jumbo

- Full Documentation
- Primary residence & Second home
- 80% LTV
- 720 FICO (80% LTV)
- Cash out allowed up to 65 LTV

DSCR

- No income
- 70% LTV
- FICO 680
- DSCR >1.00
- Foreign Nationals