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PROGRAMS

AD Mortgage
Programs

High Balance Conventional Loan

A Conforming High Balance loan offers program flexibility and attractive pricing to the homebuyer for amounts above the conforming limit.

Program highlights:

  • Loan amount up to $822,375 in high-cost areas for a single unit
  • Eligible for primary and second homes
  • More competitive rates and easier guidelines
  • Faster turn times

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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Home Possible

- Fixed-rate financing for easier budgeting
- Homebuyer education is required for first-time buyers

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FHA

- Financing up to 96.5%
- DTI up to 55%
- No appraisal is needed to apply for streamline refinance FHA program
- Up to 6% of closing costs can be contributed by the seller

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Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

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Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed

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