A Wealth of Information and Service (800) 718-8906

Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906

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AD Mortgage

~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.

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DSCR

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

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-U.S. 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.

Foreign National Full Doc

Our Full Doc Foreign National loan program is built for international borrowers seeking to buy or refinance U.S. investment properties. With flexible documentation options and practical qualification guidelines, this program offers a streamlined path to financing for non-U.S. residents—making the process faster and more accessible.

1Y or 2Y Full Doc Non-QM

Small business owners, investors, or self-employed professionals, our 1Y or 2Y Full Doc Non-QM loan offers a smart alternative when traditional agency loans aren’t an option. Designed with flexibility in mind, this program helps qualified borrowers leverage full income documentation—even when their profiles fall outside conventional lending guidelines.