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Preapproval

Programs

Borrower type

Income type

VA Standard

No Min. Credit Score No Min. Down Payment
A loan solution for veterans, active-duty service members, and their eligible spouses
  • Loan amounts up to $2 million
  • Debt-to-income (DTI) ratio up to 55%
  • No minimum down payment required
  • Eligible VA borrowers: Active-duty service members; Members of the National Guard; Reservists; Surviving spouses of veterans; Cadets at the US Military, Air Force or Coast Guard Academy; Midshipmen at the U.S. Naval Academy; Officers at the National Oceanic & Atmospheric Administration
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VA IRRRL

No Min. Credit Score
A simplified refinance option for veterans and active-duty service members
  • Loan amounts up to $2 million
  • Debt-to-income (DTI) ratio up to 55%
  • Primary residence only
  • Limited documentation
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Second Mortgage

Min. Credit Score 680 Min. 15% Down Payment
An option to obtain additional financing through your home's equity
  • Loan amounts up to $500,000
  • Debt-to-income (DTI) ratio up to 50%
  • Owner-occupied, second home, or investment property
  • Minimum credit score 680
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Conventional Standard

Min. Credit Score 620 Min. 3% Down Payment
An affordable financing option with standard requirements
  • Loan amounts up to $802,650 
  • Debt-to-income (DTI) ratio up to 50%
  • Minimum 3% down payment
  • Owner-occupied, second home, and investment properties 
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DSCR

Min. Credit Score 620 Min. 20% Down Payment
Top choice for real estate investors
  • No income, no employment
  • Mixed-use and multi-family (5-8 units) allowed
  • Ability to close in an LLC
  • Short-term rental is available
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12/24 Month Bank Statement

Min. Credit Score 620 Min. 10% Down Payment
A perfect fit for the self-employed
  • Personal, business, or combined bank statements
  • Only 3 months of reserves required
  • ITIN is available
  • Minimum credit score 620
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Individual Taxpayer Identification Number

Min. Credit Score 660 Min. 20% Down Payment
A mortgage solution for borrowers without a SSN
  • No Social Security Number required
  • Loan amounts up to $1.5 million
  • Available to non-permanent residents 
  • A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID
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1- and 2-Year P&L

Min. Credit Score 660 Min. 20% Down Payment
The easiest alternative for the self-employed
  • Loan amounts up to $2.5 million
  • No bank statements required with a minimum down payment of 30% 
  • No tax returns required
  • 2 or 1 year of business P&L (profit and loss) statements
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1- or 2-Year Full Doc Non-QM

Min. Credit Score 620 Min. 10% Down Payment
A flexible Non-QM solution for Full Doc borrowers
  • Loan amounts up to $4 million
  • Only 3 months of reserves required
  • 1 year after the credit event allowed
  • Cash-out available 
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1099

Min. Credit Score 620 Min. 15% Down Payment
A financing solution for sole proprietors, freelancers, or independent contractors
  • 1099 tax forms for the last 1 year 
  • 1-year history with the same employer 
  • Gift funds allowed
  • Cash-out available
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Written Verification of Employment

Min. Credit Score 620 Min. 20% Down Payment
A loan solution for salaried borrowers with no tax returns
  • No bank statements required with a minimum down payment of 30%
  • Only 3 months of reserves required
  • No tax returns required 
  • A two-year history with the same employer is required
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Asset Utilization

Min. Credit Score 620 Min. 20% Down Payment
An ideal solution for borrowers who have liquid assets: retirees, investors, and the self-employed
  • Assets to cover 60 months of payments
  • Only 3 months of reserves required
  • Loan amounts up to $4 million
  • Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts 
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Foreign Nationals DSCR

Min. Credit Score 660 Min. 30% Down Payment
A simple financing solution for foreign real estate investors
  • Loan amounts up to $3 million
  • Cash-out available
  • Flexible rental income requirements
  • Investment properties
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Foreign Nationals Full Doc

Min. Credit Score 660 Min. 25% Down Payment
A flexible financing solution for foreign real estate investors
  • Loan amounts up to $3 million
  • Overseas income allowed
  • Remote Online Notarization (RON) permitted
  • Cash-out allowed
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Freddie Mac Refi Possible

Min. Credit Score 620 Min. 3% Down Payment
A flexible refinance option with a simplified qualification process 
  • Reduced documentation 
  • Debt-to-income (DTI) ratio up to 65% 
  • Primary residence
  • The current loan must be owned by Freddie Mac
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Fannie Mae RefiNow

Min. Credit Score 620 Min. 3% Down Payment
A flexible refinance option with a simplified qualification process
  • Reduced documentation
  • Debt-to-income (DTI) ratio up to 65% 
  • Primary residence
  • The current loan must be owned by Fannie Mae
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Prime Jumbo

Min. Credit Score 680 Min. 20% Down Payment
A solution for borrowers who need larger loan amounts
  • Loan amounts up to $2.5 million
  • Debt-to-income (DTI) ratio up to 45%
  • No Mortgage Insurance MI required
  • Cash-out available
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FHA High Balance

Min. Credit Score 620 Min. 2.25% Down Payment
An FHA mortgage option with larger loan amounts for properties in high-cost areas
  • Loan amounts up to $1,149,825
  • Debt-to-income (DTI) ratio up to 55%
  • Primary residence
  • Minimum 2.25% down payment
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FHA Streamline Refinance

Min. Credit Score 640
A streamlined FHA refinance solution with minimal requirements
  • At least 6 monthly payments on an existing FHA loan
  • Primary residence
  • No appraisal required for stick-built properties
  • No debt-to-income (DTI) verification
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FHA Standard

Min. Credit Score 620 Min. 2.25% Down Payment
A financing solution for homebuyers with limited down payment capabilities
  • Loan amounts up to $498,257
  • Debt-to-income (DTI) ratio up to 55%
  • Minimum 2.25% down payment
  • Owner occupied only
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Conventional High Balance

Min. Credit Score 620 Min. 3% Down Payment
A top choice for homebuyers looking to purchase a home in a high-cost area
  • Loan amounts up to $1,203,975
  • Debt-to-income (DTI) ratio up to 50%
  • Primary, secondary homes, and investment
  • Minimum 3% down payment
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Freddie Mac Home Possible

Min. Credit Score 620 Min. 3% Down Payment
An affordable mortgage option for low- to moderate-income individuals
  • Loan amounts up to $802,650
  • Debt-to-income (DTI) ratio up to 50%
  • Cancelable Mortgage Insurance (MI)
  • Minimum 3% down payment
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Fannie Mae HomeReady

Min. Credit Score 620 Min. 3% Down Payment
A top choice for homebuyers with limited down payment capabilities
  • Loan amounts up to $802,650
  • Debt-to-income (DTI) ratio up to 50%
  • Primary residence only
  • Minimum 3% down payment
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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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