for Mortgage Brokers
are Now Available!
6000+ partners
More than 6,000 partnering brokerage companies
18+ years
More than 18 years in the mortgage industry
50 states
Operating nationwide
30 mins
Responding to requests within 30 minutes
A&D Mortgage is a direct mortgage lender, bringing first-class service to our partners. We offer a full spectrum of Conventional, Government and Non-QM products, including Bank Statements, Jumbo, and Foreign National programs.
Join our network of partners and get empowered with our innovative products, superior service and advanced technology.
About Us
Benefits to grow your business
Streamlined Loan Process
Our streamlined loan process provides brokers with industry-leading turn times, ensuring you're always ahead of the competition.
"Can Do" Attitude and Expertise
Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.
Loan Solutions that Grow
Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.
Flexible Underwriting
Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.
Fast turnaround times
Disclosure
24 hours
Underwriting
24 hours
Conditions
24 hours
24 hours
Programs
- Non-QM
- Jumbo
- Government
- Second Lien
- Conventional
- Other Financing Solutions
Hard Money Min. FICO 580 Up to 70% CLTV A solution to bridge the gap when transitioning from one home to another Loan amounts up to $2.5 million 5-year interest only Close in an LLC Smooth and easy Learn More Second Mortgage Min. FICO 660 Up to 85% CLTV A solution to secure additional funding with existing equity Loan amounts up to $500,000 DTI up to 50% Owner-occupied, second home, investment, Foreign National 30-year fixed terms available Learn More DSCR Min. FICO 620 Up to 80% CLTV Close DSCR loans with the fastest turn times in the industry No ratio loans No income no employment Condotels, mixed use, 5-8 units Max cash-on-hand $1 million, no limit for CLTV <55% Learn More 12/24 Month Bank Statement Min. FICO 599 Up to 90% CLTV A perfect fit for self-employed borrowers Personal, business, or combined bank statement As little as 3 months of reserves Concierge Service for income calculation Min FICO: 599 Learn More ITIN Min. FICO 660 Up to 80% CLTV Expand your mortgage portfolio for borrowers without a SSN Min. FICO 660 and up to 80% CLTV for Super Prime program Min. FICO 700 and up to 70% CLTV for DSCR Loan Amounts up to $1.5 Million Must possess valid ITIN card or IRS ITIN Letter and an Unexpired Government Photo ID (i.e. Driver’s license, International Passport, etc). Learn More 1Y or 2Y Full Doc Non-QM Min. FICO 599 Up to 90% CLTV Take advantage of Non-QM flexibility for Full Doc borrowers Loan amounts up to $4 million DTI up to 55% on owner-occupied 1Y credit event allowed Max cash-on-hand $1 million, no limit for LTV < 55% Learn More 1099 Min. FICO 599 Up to 85% CLTV Ideal loan for sole proprietors or contract individuals 1099s for last 1 year 1 year history with same employer Gift funds allowed DTI 55% Max Learn More WVOE Min. FICO 599 Up to 80% CLTV Loan solution for salaried borrowers with no tax returns FNMA Form 1005 3 month reserves No tax returns required Loan amounts up to $4 million Learn More Asset Utilization Min. FICO 599 Up to 80% CLTV Qualify high net-worth individuals with their accumulated capital Qualifying assets / 60 3 month reserves Checking, savings, stocks, bonds Savings and checking 100% Learn More Foreign Nationals DSCR Up to 70% CLTV No score or FICO 680 Qualify Foreign Nationals with minimal documentation and fast closings Loan amounts up to $2 million Cash-out allowed DSCR < 1 requires min FICO 680 or No FICO One bank reference letter Learn More Foreign Nationals Full Doc Up to 75% CLTV Min. FICO 660 Qualify Foreign National borrowers with overseas income Loan Amount up to $2 Million Overseas assets allowed RON allowed Cash-out allowed Learn More Freddie Mac Refi Possible Min. FICO 620 Up to 97% CLTV A flexible refinance option with simplified underwriting Reduced documentation DTI up to 65% Owner-occupied, 1-unit primary residence FICO 620 Learn More Fannie Mae RefiNow Min. FICO 620 Up to 97% CLTV A flexible refinance option with simplified underwriting Reduced documentation DTI up to 65% Owner-occupied, 1-unit primary residence FICO 620 Learn More Prime Jumbo Min. FICO 680 Up to 80% CLTV A solution for borrowers seeking large home loans Loan amounts up to $2.5 million DTI up to 45% No MI required Cash out up to 75% HCLTV Learn More FHA High Balance Min. FICO 620 Up to 97.75% CLTV A mortgage option allowing for larger loan amounts in high-cost areas Loan amounts up to $1,149,285 DTI up to 55% Primary residence, second home Learn More FHA Streamline Refinance Min. FICO 640 Current FHA loan refinance solution with minimal requirements No appraisal for stick-built properties Min. 6 payments on current FHA loan Primary residence Learn More FHA Standard Min. FICO 620 Up to 97.75% CLTV Qualify homebuyers with limited down payment capabilities Loan amounts up to $498,257 DTI up to 55% LTV up to 97.75% Learn More Conventional High Balance Min. FICO 620 Up to 97% CLTV Qualify homebuyers seeking properties exceeding the standard limits Loan amounts up to $1,149,825 Primary, secondary homes, and investment More competitive rates and easier guidelines Faster turn times Learn More Freddie Mac Home Possible Min. FICO 620 Up to 97% CLTV An affordable mortgage option for low- to moderate-income individuals Loan amounts up to $766,550 DTI up to 45% Cancelable MI Homebuyer education is required for first-time buyers Learn More Fannie Mae HomeReady Min. FICO 620 Up to 97% CLTV The perfect fit for borrowers with limited down payment capabilities Loan amounts up to $766,550 DTI up to 50% Primary residence First-time or repeat home buyers Learn More Conventional Standard Min. FICO 620 Up to 97% CLTV An affordable financing option with standard requirements Loan amounts up to $766,550 DTI up to 50% Minimum down payment 3% Temporary rate buydowns available Learn More
All Programs
Why we are trusted
Get more value for your business
April 18, 2024 Great 0.250 Savings on Prime Jumbo April 18, 2024 5 Great Reasons for Bank Statement Mortgage Loan April 16, 2024 Comprehensive Guide to Interest Rate Buydowns
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Conferences April 25, 2024
FAMP Broward Gold Coast Tradeshow
Webinars April 25, 2024
Conferences May 02, 2024
California Mortgage Expo
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How to Attract Borrowers with Bank Statements Loans First Steps to Become a Mortgage Broker Refinance Your Clients Step by Step
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Where We Are Licensed
- Licensed
- Business purpose loans only
* License not required for business purpose loans
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