Programs

Full Doc Non-QM

90% CLTV No Score or FICO 599

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

No Score or FICO 599
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
Traditional income​
2-year credit event allowed​
Super Prime & Prime Programs​
Condos up to 90% CLTV, NY up to 90% CLTV​
Condotels up to 70% CLTV
Temporary rate buydowns available
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Fast turnaround times

Disclosure

24 hours

Conditions

24 hours

Underwriting

24 hours

Closing

24 hours

24 hours

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