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AD Mortgage | Mortgage Lender | A&D Mortgage LLC Programs Quick Pricer Services & Tools Partner Portal Broker Support Concierge Service A&D Appraisal Center A&D Studio Resources Documents & Forms Announ­cements Events & Webinars A&D Learning Center Blog Glossary Why Us About A&D Testimonials Turnaround Times Associations Press about A&D Awards Career Contacts My Mortgage (855) 235-6267 Become a Partner 855-235-6267 Partner Portal Become a Partner Struggling with a challenging scenario? A&D will help within 30 minutes! Submit a Scenario Revolutionary Portal for Our Partners Log in and try it today! All operations at your fingertips Easy-to-use intuitive interface Integrated AI technology GET STARTED EXPLORE AIM ITIN Mortgages are Now Available! Empowering Borrowers to Achieve Their Dream Home Even With No SSN Learn about ITIN Become a partner with a market pioneer! Choose a lender who knows how to grow your business Grow Your Business Complete your loan Get an A&D solution in just 30 minutes! Explore efficiency Try enhanced version of Partner Portal ITINs now available Expand your mortgage portfolio for those with no SSN Become a partner Choose a lender who cares about your growth 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 – Nationwide Mortgage Lender 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.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 Closing 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, or investment Min FICO 660 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-in-hand $1 million, no limit for CLTV 55% Learn More 12/24 Month Bank Statement Min. FICO 620 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: 620 Learn More ITIN Min. FICO 660 Up to 80% CLTV Expand your mortgage portfolio for borrowers without an SSN Min FICO 660 and up to 80% CLTV for the Super Prime program Min FICO 700 and up to 70% CLTV for DSCR Loan amounts up to $1.5 million Cash-in-hand: Max cash-on-hand $1 million, no limit for CLTV 55% Learn More 1Y + 2Y P&L Min. FICO 660 Up to 80% CLTV The easiest alternative solution for self-employed borrowers P&L by a licensed CPA, enrolled tax agent, or licensed tax preparer No bank statements required if CLTV = 65% Loan amounts up to $4 million Min FICO: 660 Learn More 1Y or 2Y Full Doc Non-QM Min. FICO 620 Up to 90% CLTV A flexible Non-QM solution for Full Doc borrowers Loan amounts up to $4 million DTI up to 55% on owner-occupied 1 year credit event allowed Min FICO 620 Learn More 1099 Min. FICO 620 Up to 85% CLTV An 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 Learn More WVOE Min. FICO 620 Up to 80% CLTV A loan solution for salaried borrowers with no tax returns FNMA Form 1005 As little as 3 months of reserves No tax returns required Income Doc Requirement: A two-year history with the same employer is required. For loans with CLTV greater than 65%, two months of personal bank statements are required to support the WVOE income. The bank statements must reflect deposits from the employer supporting at least 75% of gross wage/salary reflected on the WVOE. No more than 3 NSFs allowed. Learn More Asset Utilization Min. FICO 620 Up to 80% CLTV An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed Qualifying assets / 60 months As little as 3 months of reserves Checking, savings, stocks, bonds Income Requirement: Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts. Business assets are not permitted. A 4-month seasoning of assets is required 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 DSCR1 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...