Preapproval

Programs

Non-QM
Jumbo
Government
Second Lien
Conventional
Other Financing Solutions

Borrower type

Income type

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
Can close in an LLC
Investment property, residential vacant or tenant-occupied

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

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%

12/24 Months Bank Statements

Min. FICO 599 Up to 90% CLTV

The perfect fit for self-employed borrowers

Personal / business / combined
3 month reserves
Concierge Service to calculate income
Max cash-on-hand $1 million, no limit for CLTV < 55%

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 Super Prime program
Min. FICO 700 and up to 70% CLTV for DSCR
Loan Amounts up to $1.5 Million
Must have valid ITIN card or IRIS ITN Letter and a valid Government-issued ID

1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV

The simpliest alternative solution for self-employed borrowers

P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
No bank statements required if CLTV <= 65%
No tax returns required
Loan amounts up to $4 million

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%

1099

Min. FICO 599 Up to 85% CLTV

Ideal loan for sole proprietors or contract individuals

1099s for 1 year
1 year history with same employer
Gift funds allowed
DTI 55% Max

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

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%

Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 660

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
CPA Letter for last 2 years & year-to-date

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

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

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

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

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, investment

FHA Streamline Refinance

Current FHA loan refinance solution with minimal requirements

No appraisal for stick-built properties
Min. 6 payments on current FHA loan
Primary residence

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%
Financing up to 96.5%

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

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

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

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%
Down payments as low as 3% depending on loan amount

Why work with A&D?

Fastest turnaround times in the industry
Proprietary Non-QM programs allow us to make every decision about a loan’s viability
Competitive compensation for brokers
State-of-the-art technology
The most competitive rates for clients

Features

Easy appraisal ordering
Intuitive origination portal
Web-based marketing design suite
Price loans anywhere, any time, on any device

The diversity of our program portfolio

No income DSCR loans
The ability to work with Foreign Nationals and Non-Permanent Residents
No W2s or Tax Return:
Alternative income documentation programs allow Bank Statements, P&Ls, WVOEs, and 1099s to prove the borrower’s ability to repay.

Where We Are Licensed

Licensed

Business purpose loans only

* License not required for business purpose loans

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