Programs

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
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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
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DSCR

Min. FICO 620 Up to 80% CLTV
Top choice for real estate investors
  • No income no employment
  • Condotels, mixed use, 5-8 units
  • Ability to close in an LLC
  • Max cash-on-hand $1 million, no limit for CLTV <55%
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12/24 Months Bank Statements

Min. FICO 599 Up to 90% CLTV
A perfect fit for the self-employed
  • Personal / business / combined
  • 3 month reserves
  • ITIN is available
  • Max cash-on-hand $1 million, no limit for CLTV < 55%
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ITIN

Min. FICO 660 Up to 80% CLTV
A mortgage for borrowers without a 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
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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 <= 70%
  • No tax returns required
  • Loan amounts up to $2.5 million
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1Y or 2Y Full Doc Non-QM

Min. FICO 599 Up to 90% CLTV
Increased flexibility to qualify for traditional 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%
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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
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WVOE

Min. FICO 599 Up to 80% CLTV
Loan solution for salaried borrowers with no tax returns
  • 3 months reserves
  • No tax returns required
  • Loan amounts up to $4 million
  • DTI 55% Max
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Asset Utilization

Min. FICO 599 Up to 80% CLTV
Loans for high net worth borrowers with accumulated capital  
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
  • Savings and checking 100%
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Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 660
Loans for Foreign National borrowers 
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or No FICO
  • CPA Letter for last 2 years & year-to-date
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Foreign Nationals Full Doc

Up to 75% CLTV Min. FICO 660
Loans for Foreign National borrowers with overseas income
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed
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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
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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
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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
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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
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FHA Streamline Refinance

Min. FICO 640
Current FHA loan refinance solution with minimal requirements
  • No appraisal for stick-built properties
  • Min. 6 payments on current FHA loan
  • Primary residence
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FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Low down payment options for homeowners 
  • Loan amounts up to $498,257
  • DTI up to 55%
  • Financing up to 96.5%
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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
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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
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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
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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
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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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