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AD Mortgage

Bridge Loan Program

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.

Program highlights:

  • 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
  • Cryptocurrencies accepted for reserves, down payments and closing costs

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Other Programs

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WVOE / 1099

- FICO 580
- Up to 80% CLTV for WVOE
- Up to 90% CLTV for 1099
- Loan amounts up to $4 million
- DTI 55% Max
- Cash out available
- Completed FNMA Form 1005 for 2-year history with the same employer
- Cryptocurrencies accepted for reserves, down payments and closing costs

1Y + 2Y P&L ONLY

- FICO 580
- Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
- Max DTI 55%
- Loan amounts up to $4 million
- Max cash-on-hand $1 million, no limit CLTV < 55%
- P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No bank statement required
- Super Prime & Prime programs
- Cryptocurrencies accepted for reserves, down payments and closing costs

Full Doc Non-QM

- FICO 580
- 90% CLTV
- Loan amounts up to $4 million
- Max cash-on-hand $1 million, no limit for LTV < 55%
- DTI up to 55%
- 30 & 40 Year Fixed, 5/6 ARM, 7/6 ARM
- Traditional income​
- 2-year credit event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% CLTV​
- Condotels up to 70% CLTV
- NY up to 90% CLTV
- Cryptocurrencies accepted for reserves, down payments and closing costs

12/24 Months Bank Statements

- FICO 580
- Up to 90% CLTV
- Loan amounts up to $4 million
- Max cash-on-hand $1 million, no limit for CLTV < 55%
- 3 months reserves
- Cryptocurrencies accepted for reserves, down payments and closing costs
- 12 months from bankruptcy or foreclosure
- Mortgage history 0 x 60 x 12
- Combination of business and personal bank statements allowed
- Condo and condotels allowed