1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 80% CLTV

A&D Mortgage’s Full Doc Non-QM loans are a perfect solution for small business owners, investors, or other self-employed individuals, who believe they would not qualify for a traditional agency loan. These loans are also ideal for borrowers who are recovering from a recent credit event.

Full Doc Non-QM loans require documented evidence that proves the income and assets a borrower claims on their loan application are genuine.

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Features

Loan amounts up to $4 million

DTI up to 55% on owner-occupied

1Y credit event allowed

Max cash-on-hand $1 million, no limit for LTV < 55%

Traditional income

30 & 40 Year Fixed

Super Prime & Prime Programs

Condos up to 90% CLTV, NY up to 90% CLTV

Condotels up to 75% CLTV

Temporary rate buydowns available

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Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Conditions

24 hours

Closing

24 hours

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#Yes to employed

FHA High Balance

Minimum 620 FICO

Loan amounts up to $1,089,300 depending on home location
Available on primary residences
Condo financing available

Conventional

Loan amounts up to $726,200
A conventional loan can be used to finance a property in a high-cost area
15-, 20-, 25- & 30-year fixed rate
Down payments as low as 3% depending on loan amount