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AD Mortgage

  • Modified Date: 07/25/2025 || Published Date:
Lender Description: ~A&D Mortgage is a top mortgage lender, ranked among Forbes’ Top 10 wholesale lenders and recognized as the #1 Non-QM lender in the U.S. With nearly 20 years of expertise, we provide a wide range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.

In addition to our broad product lineup, A&D Mortgage stands out for its commitment to fast turn times, flexible underwriting, and personalized service. Whether you’re helping first-time buyers or seasoned investors, our innovative Non-QM solutions and experienced team make it easier to close more loans with confidence.

DSCR

Loan Program A Description: Close DSCR loans quickly with the fastest turn times in the industry. Qualify with a DSCR coverage ratio of 1.25, exceptions to 1.5. Additional guideline highlights include: Income documentation and employment documentation verification not required. Short-term rentals OK.

12 and 24 Month Bank Statements

Loan Program B Description: Bank Statement Loan Program offers a practical Non-QM solution for self-employed borrowers. Using 12 or 24 months of bank statements instead of traditional income documentation, this program simplifies qualification by focusing on actual income or revenue, even for those with complex tax deductions.

ITIN

Loan C Description: Our ITIN home loan program is designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) but lack a Social Security Number. This solution helps expand your reach by offering home financing options to non-U.S. citizens seeking to invest or settle in the United States.

Foreign National DSCR

Loan Program D Description: Our Foreign National DSCR loan program is tailored for international buyers looking to purchase or refinance U.S. investment properties. Instead of verifying personal income, this program relies on the property’s rental income to qualify—making it ideal for non-residents focused on cash-flowing investments.

AD Mortgage Offers the Following Programs

DSCR Program

Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet debt service coverage ratio (DSCR) requirements, this program offers a hassle-free path to securing financing.

Mortgage Pre-Qualification Form – No Credit Check

12 and 24 Month Bank Statements

Flexible Qualification for Self-Employed Borrowers

Self-employed borrowers qualify with either 12 or 24 months of business, personal, or multiple bank account statements. We calculate income directly from statements, maxing out income and minimizing your expense ratio.

Program Highlights:
* Up to 90% LTV for eligible borrowers.
* Minimum 620 credit score requirement.
* Only 3 months of reserves needed.
* Streamlined Solution for Business Owners

ITIN

* For investors that do not have a social security number.

1 Year + 2 Year P&L

* One year Full Doc + two year CPA (tax professional) prepared P&L Only Statement.

* One Year or two Year Non-QM Full Doc

* One or Two years of Full Doc Income Verification.

1099 Only

* This program is for Sole Proprietors and Independent Contractors

WVOE Only

* Full Doc utilizing A Written Verification of Employment – No Tax Returns

Asset Utilization

* Utilize your liquid assets in lieu of traditional income documentation.

Foreign Nationals DSCR

* For Foreign Nationals looking to purchase real estate in the United States without the standard documentation

Foreign Nationals Full Doc

* Full Doc utilizing borrowers home country income documentation.

1Y or 2Y Full Doc Non-QM

Mortgage Pre-Qualification Form – No Credit Check

Self-Employed Mortgage Lending

Contact a Loan Officer

Non-QM Mortgage Lending

Non-QM Mortgage Lending

Non-QM Mortgage Loans