Extra Savings=Extra Room
* Available for 1st liens & 2nd liens in AZ, CA, CO, CT, DE, GA, IL, MA, MD, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA
How to Get an EXTRA 25 bps
Any questions? Please contact:
Promo-Eligible Programs
Programs
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DSCR
Min. FICO 620 Up to 80% CLTVClose DSCR loans with fast turn times- Credit for DSCR >1.25
- No income no employment
- Short-term rentals up to 80% CLTV
- DSCR as low as 0
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12/24 Month Bank Statement
No Score or FICO 620 Up to 90% CLTVA perfect fit for self-employed borrowers- Personal, business, or combined bank statements
- Min. 3 months of reserves
- Concierge Service for income calculation
- Min. FICO 620 or no score; for I/O Min. FICO 680 & FTHB no allowed
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ITIN
Min. FICO 660 Up to 80% CLTVExpand your mortgage portfolio for borrowers without an SSN- Min FICO 660 and up to 70% CLTV for Super Prime
- DTI up to 50%
- Loan amounts up to $1.5 million
- Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700
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1Y + 2Y P&L
Min. FICO 660 Up to 80% CLTVThe easiest alternative solution for self-employed borrowers- P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
- Bank statements not required up to 70% LTV
- Loan amounts up to $2.5 million
- Min FICO 660; for I/O Min. FICO 680 & FTHB no allowed
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1Y or 2Y Full Doc Non-QM
No Score or FICO 620 Up to 90% CLTVA flexible Non-QM solution for Full Doc borrowers- Loan amounts up to $4 million
- DTI up to 55% on owner-occupied
- Min. 3 months of reserves
- Min. FICO 620 or no score; for I/O Min. FICO 680 & FTHB no allowed
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1099
No Score or FICO 620 Up to 85% CLTVAn ideal loan for sole proprietors or contract individuals- 1099s for the last 1 year
- 1-year history with the same employer
- Gift funds allowed
- Loan amounts up to $4 million
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WVOE
No Score or FICO 620 Up to 80% CLTVA loan solution for salaried borrowers with no tax returns- Bank statements not required up to 70% LTV
- Min. 3 months of reserves
- No tax returns required
- A two-year history with the same employer is required
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Asset Utilization
Min. FICO 620 Up to 80% CLTVAn ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed- Qualifying assets / 60 months
- Min. 3 months of reserves
- Loan amounts up to $4 million
- Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts
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Foreign National DSCR
No Score or FICO 660 Up to 75% CLTVQualify Foreign Nationals seeking investment properties with minimal documentation and fast closings- Loan amounts up to $3 million
- Cash-out allowed
- DSCR < 1 requires min FICO 680 or no FICO
- Up to 75% СLTV purchase / Up to 70% СLTV cash-out
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Foreign National Full Doc
No Score or FICO 660 Up to 75% CLTVQualify Foreign National borrowers with overseas income- Loan amounts up to $3 million
- Overseas assets allowed
- RON allowed
- Cash-out allowed
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Foreign National Asset Utilization
No score or FICO 660 Up to 75% CLTVQualify Foreign National homebuyers with liquid assets- Loan amounts up to $3 million
- Overseas assets allowed
- Qualifying assets / 60 months
- Second home
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Second Mortgage
No Score for FN or FICO 680 Up to 90% CLTVA solution to secure additional funding with existing equity- Loan amounts up to $500,000
- DTI up to 50%
- Owner-occupied, second home, or investment
- No Score or FICO 680
The incentive applies to the following states:
Massachusetts | Nevada
South Carolina | Oregon
Colorado | Texas | Utah
New Jersey | Maryland
Tennessee | Oklahoma
Pennsylvania | Arizona
Connecticut | Georgia
North Carolina | Ohio
California | Delaware
Washington | Illinois
Why Choose AD Mortgage
9,000+ partners
>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
Why We Are Trusted
AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage.
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.
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.
Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!
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 AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.
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!
Awesome and fast service.
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.
AD Mortgage is one of the secrets to my success. I do a lot of condominiums and condo loans, and it’s just been a breath of fresh air to work with AD Mortgage.
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.
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.
Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!
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 AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.
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!
Awesome and fast service.
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.