AD Power Jumbo

Min. FICO 660 Up to 89.99% CLTV

AD Power Jumbo is AD Mortgage's prime jumbo mortgage program for borrowers whose loan amounts exceed conventional limits. Help your clients finance luxury and high-cost properties with jumbo loans up to $5 million — including super jumbo amounts — with min. FICO 660, up to 89.99% CLTV, DTI up to 50%, no mortgage insurance, and no max cash-out limits. Available as various fixed-rates jumbo mortgage or 5/6, 7/6, and 10/6 ARMs, with competitive jumbo mortgage rates and 24-hour underwriting.

Program features

Loan amounts up to $5 million
DTI up to 50%
Up to 89.99% CLTV
No max cash-out limits

Why choose our AD Power Jumbo?

No MI required
First-time homebuyers allowed
Follow DU/LPA for income and credit events

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Program details

Loan amounts up to $5 million

DTI up to 50%

No max cash-out limits

Income as per DU/LPA

Max loan amount $5,000,000 with Min. FICO 740 for Purchase/R&T

Max DTI up to 45% for $3.5-$5 million loans; up to 50% or max allowed by AUS for $3.5 million and under

Loan amounts $2 million and under: 1 appraisal; >$2 million: 2 appraisals

For any loan that does not require 2 appraisals, a secondary valuation would be required. Secondary valuation must be within 10%

Collateral Underwriter (CU) or Loan Collateral Advisor (LCA) can be used in lieu of a Collateral Desktop Analysis (CDA) or Consolidated Collateral Analysis (CCA), when score is 2.5 or less

No transferred appraisals allowed

No MI required

Foreclosure & bankruptcy as per DU/LPA

Loan amounts = $2 million: as per AUS reserves; loan amounts >$2-$3 million: 12 months reserves; loan amounts >$3-$5 million: 24 months reserves

First-time homebuyers allowed

Follow DU/LPA for income and credit events

Agricultural zoning must be zone residential; no working farms

Eligible property types: SFR, PUD, Сondo, 2-4 units

Various fixed terms, ARM 5/6, 7/6 and 10/6, greater of fully indexed rate or note rate

Eligible borrowers: US Citizens. Permanent Residents with a valid Social Security Number, Inter vivos (Revocable) Trusts

HPML & cryptocurrency ineligible

AD Power Jumbo

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Program details

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