SAVE 25 BPS
Conventional & Government purchase loans
Grab the pricing promo before
May 31!
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receive the special pricing promo
HOW TO GET 25 BPS OFF
Partner Portal
Any questions? Please contact:
🔥 All Conventional Purchases
🔥 All FHA & VA Purchases
Solutions for any scenario request
AD MORTGAGE PROGRAMS
Programs
Freddie Mac HomeOne
- Loan amounts up to $832,750
- Minimum down payment is 3%
- Max CLTV is 105%; max LTV is 97%
- Primary Residence only
Conventional Standard
- Loan amounts up to $832,750
- DTI as per AUS
- Minimum down payment 3%
- LTV up to 97%
Fannie Mae HomeReady
- Loan amounts up to $832,750
- DTI per AUS
- Primary residence
- Minimum down payment 3%
VA Standard
- Loan amounts up to $2 million
- Gift funds are allowed
- No down payment required
- Manufactured homes
VA IRRRL
- Loan amounts up to $1.5 million
- No appraisal or credit underwriting required
- Primary residence, Investments, Second Home
- Manufactured homes
FHA Standard
- Loan amounts up to $524,225
- DTI as per AUS
- LTV up to 97.75%
- A maximum LTV of 80% for cash-out refinances
Interested in Improved Pricing? Don't Miss Out in May!
WHY CHOOSE AD MORTGAGE
Mortgage Lender You Can Trust
9,000+ partners
More than 9,000 partnering brokerage companies
20 years
20 years in the mortgage industry
49 states
Operating from coast to coast
30 min
Responses to requests within 30 minutes
OUR AWARDS
WHY WE ARE TRUSTED
I send all of my Non‑QM deals to AD because we’re able to close quickly, and the underwriters provide fast, reliable turn times. That level of efficiency has truly helped me become a top producer at my branch.
What I value most isn’t just the new information that we get to take back to our team, but also the networking. At the end of the day, your network really is your net worth.
The main thing with AD is that you guys do the deals that nobody else does. When you’re in the Non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.
I just closed a loan with AD Mortgage, and I couldn’t be more impressed with the experience. Their technology, service, communication, and overall process were excellent from start to finish. My borrower was truly impressed as well, which says a lot.
From beginning to close, everything ran smoothly and efficiently. A special shoutout to my Account Executive, Alana—her communication throughout the entire process was second to none. She stayed on top of every detail and made sure everything moved forward seamlessly.
Looking forward to working with this team again!
A&D Mortgage has it all! Great programs, ease of use system, speed with customer service, and a great team of underwriters and closers. I am fortunate to have Eric Clark as my AE as he is the reason for providing me with great education and guidance all things A&D Mortgage has to offer. Highly recommend A&D Mortgage to my co-workers and peers.
AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.
Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.
As a mortgage loan officer, I have the opportunity to work with many mortgage lenders. AD continues to impress with speed, efficiency, systems, rates, staff, from top to bottom a very pleasant experience working with A&D Mortgage.
A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.
AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨
The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!
I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.
A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.
As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer
Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!
AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.
I send all of my Non‑QM deals to AD because we’re able to close quickly, and the underwriters provide fast, reliable turn times. That level of efficiency has truly helped me become a top producer at my branch.
What I value most isn’t just the new information that we get to take back to our team, but also the networking. At the end of the day, your network really is your net worth.
The main thing with AD is that you guys do the deals that nobody else does. When you’re in the Non‑QM business, there’s a lot of pieces to the puzzle and we have to see how we structure the deal to make it work. A lot of deals I’ve closed with AD were already turned down by other lenders. So, I think that’s a big impact on our business.
I just closed a loan with AD Mortgage, and I couldn’t be more impressed with the experience. Their technology, service, communication, and overall process were excellent from start to finish. My borrower was truly impressed as well, which says a lot.
From beginning to close, everything ran smoothly and efficiently. A special shoutout to my Account Executive, Alana—her communication throughout the entire process was second to none. She stayed on top of every detail and made sure everything moved forward seamlessly.
Looking forward to working with this team again!
A&D Mortgage has it all! Great programs, ease of use system, speed with customer service, and a great team of underwriters and closers. I am fortunate to have Eric Clark as my AE as he is the reason for providing me with great education and guidance all things A&D Mortgage has to offer. Highly recommend A&D Mortgage to my co-workers and peers.
AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.
Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.
As a mortgage loan officer, I have the opportunity to work with many mortgage lenders. AD continues to impress with speed, efficiency, systems, rates, staff, from top to bottom a very pleasant experience working with A&D Mortgage.
A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.
AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨
The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!
I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.
A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.
As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer
Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!
AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.
Not a Partner Yet?
WHAT SERVICES WE PROVIDE
- Take advantage of AI in mortgage
- Track the progress of each loan
- Create your disclosure package in 1 minute
Loyalty Program
- Save your clients money
- Get more control & close faster
- Receive exclusive gifts
- Generate automated conditions
- Get pre-approval in 5 minutes
- Close Non-QM deals faster
Calculator
- Simplify your lending choices
- Get a reliable income analysis
- Enjoy eligibility assessment
- Request Loan Changes
- Ask AI Guideline Assistant
- Reach Partner Support
for a live call
- Manage your leads
- Create email campaigns
- Track loan progress
- Take advantage of AI in mortgage
- Track the progress of each loan
- Create your disclosure package in 1 minute
Loyalty Program
- Save your clients money
- Get more control & close faster
- Receive exclusive gifts
- Generate automated conditions
- Get pre-approval in 5 minutes
- Close Non-QM deals faster
Calculator
- Simplify your lending choices
- Get a reliable income analysis
- Enjoy eligibility assessment
- Request Loan Changes
- Ask AI Guideline Assistant
- Reach Partner Support
for a live call
- Manage your leads
- Create email campaigns
- Track loan progress