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AD Mortgage

AD mortgage is a top mortgage lender, ranked among Forbes top ten wholesale lenders and recognized as the number one non QM lender in the US with nearly 20 years of expertise, we provide a wide range of loan programs, doing TSCR, bank statement, FHA, and conventional loans.

DSCR

Close DSCR loans quickly with the fastest turn times in the industry. Qualify with 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. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

12 and 24 Month Bank Statements

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

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-us citizens seeking to invest or settle in the United states.

Foreign National DSCR

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 | Mortgage Pre-Qualification Form – No Credit Check

AD Mortgage Introduces ADVocate, here with extensive experience with assist with Loan process.
Brokers are now approved for Business Purpose Loans in Non-Licensed States. A&D Mortgage Continues to expand our product and improve our rates.

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. Contact a Loan Officer with any questions 800-718-8906.

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 Investor Program

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

  • One year 1099
  • Same Employer
  • Gift Funds – OK

WVOE Only

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

  • No bank statements
  • 3 months reserves
  • Tax returns not required

Asset Utilization

Utilize your liquid assets in lieu of traditional income documentation

  • Utilize all qualifying liquid asset statements
  • Max loan amount $4,000,000
  • 3 months reserves

Foreign Nationals DSCR

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

  • Cash out $2,000,000
  • No ratio 720 credit score
  • DSCR <1 680 credit score

Foreign Nationals Full Doc

Full Doc utilizing borrowers home country income documentation

  • Foreign assets OK
  • RON OK
  • Cash out $2,000,000

Foreign Nationals Asset Utilization

Liquid Asset Doc utilizing borrowers liquid asset documentation.

  • Foreign assets OK
  • Utilize all qualifying liquid asset statements
  • Cash out $2,000,000

1Y or 2Y Full Doc Non-QM

  • 55% DTI primary residence
  • $4,000,000 loan amount
  • 3 months reserves

Mortgage Pre-Qualification Form – No Credit Check

Last Updated on 1 week ago by Broker Mortgages

Alternative Income Documentation

Contact a Loan Officer

AD mortgage is a top mortgage lender, ranked among Forbes top ten wholesale lenders and recognized as the number one non QM lender in the US with nearly 20 years of expertise, we provide a wide range of loan programs, doing TSCR, bank statement, FHA, and conventional loans.

DSCR

Close DSCR loans quickly with the fastest turn times in the industry. Qualify with 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. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

12 and 24 Month Bank Statements

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

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-us citizens seeking to invest or settle in the United states.

Foreign National DSCR

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.

Alternative Income Documentation

Contact a Loan Officer