Bridge Loan Program

70% CLTV FICO 660

Not every creditworthy borrower can sail through the approval process for a qualified mortgage and your clients may want to invest in real estate and need short-term financing quickly. A&D Mortgage’s Bridge Loans are the perfect option: no income documentation, income verification, or asset seasoning are required, which means faster turn times.

A&D offers Bridge loans for investment properties only. Bridge loans are available for 1-4 unit properties, condo hotels, offices, multi-family, and properties under development.

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FICO 580
70% CLTV
Interest Only
No Income on 1003
Foreign National allowed
Refer to guidelines and matrix for prepayment penalty
Fast closing
No asset seasoning
Eligible for Non-Permanent Residents

Fast turnaround times


24 hours


24 hours


24 hours


24 hours

24 hours

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Bridge Loan Program FAQ

What is a bridge loan?

A bridge loan is a type of short-term loan that is typically used to finance the purchase of a new home or business. Bridge loans are usually made by private lenders, such as banks or investment firms, and they are typically backed by the borrower’s personal assets, such as their home or business. A&D offers a 5-year, Interest-only mortgage that balloons at the end.

What are the terms of a bridge loan?

The terms of a bridge loan can vary depending on the lender, but they typically have a shorter repayment period than traditional loans. Bridge loans also typically have higher interest rates than traditional loans. The length of the loan and the interest rate will be determined by the lender based on the borrower’s creditworthiness.

What are the risks of a bridge loan?

The biggest risk of a bridge loan is that the borrower may not be able to repay the loan in full when it comes due. If this happens, the lender can foreclose on the borrower’s home or business. For this reason, it is important to make sure that you can afford the monthly payments on a bridge loan before you take one out.

What are the benefits of a bridge loan?

Bridge loans can be a great financing option for small business owners who need to quickly expand their businesses but don’t have the time to wait for traditional lending institutions to process their loan applications. Bridge loans can also be used to finance the purchase of a new home or business.

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#Yes to employed

  • Designed for lower-income families
  • Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
  • Lowers interest rate by 0.5% and monthly payment by at least $50
  • FICO 620


Up to 85% CLTV for 1099 No Score or FICO 599
  • No Score or FICO 599
  • Up to 85% CLTV for 1099
  • Loan amounts up to $4 million
  • DTI 55% Max