Conventional High Balance

Min. FICO 620 Up to 97% CLTV

A High-Balance Conventional Loan is one that exceeds the national baseline conforming loan limits but falls within the local conforming loan limits for your high-cost county. High-Balance Conventional loans are conforming loans with respect to Fannie Mae and Freddie Mac.

A&D Mortgage is a mortgage lender that specializes in dealing with these kinds of conventional agency mortgages and will guide you through the entire loan process.

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Features

Loan amounts up to $1,149,825

Primary, secondary homes, and investment

More competitive rates and easier guidelines

Faster turn times

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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Get detailed information about the potential loan.

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Asset Utilization

Min. FICO 599 Up to 80% CLTV

Qualifying assets / 60
3 month reserves
Checking, savings, stocks, bonds
Savings and checking 100%

12/24 Month Bank Statement

Min. FICO 599 Up to 90% CLTV

Personal, business, or combined bank statement
As little as 3 months of reserves
Concierge Service for income calculation
Min FICO: 599