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AD Mortgage | Loans | AD Mortgage LLC Our Programs No Income Verification 12/24 Bank Statements 1Y + 2Y PL Only Foreign DSCR 1099 All Programs Learning CenterWhy Us Contact Us My Mortgage (855) 710-7100 Preapproval Apply(855) 710-7100 Preapproval You choose your dream home. We take care of the rest I'm Purchasing I'm Refinancing/Cashout Our programs Non-QM Jumbo Government Second Lien Conventional Other Financing Solutions DSCR Min. FICO 620 Up to 80% CLTV Top choice for real estate investors No ratio loans No income no employment Condotels, mixed use, 5-8 units Max cash-on-hand $1 million, no limit for CLTV 55% Learn More 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 CLTV55% Learn More 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 Learn More 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 Learn More 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 Learn More 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 Learn More 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% Learn More 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 Learn More 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 Learn More 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 Learn More 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 Learn More 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 Learn More All Programs Our process is under your control 1 Submit an application Our smart system syncs with your bank and gets data in a quick and easy manner. 2 Get a loan estimate Review your loan estimate to find out what you can expect to pay on the mortgage. 3 Move yourself forward closing Follow a checklist to make sure everything's properly prepared and verified. 4 Manage your loan Our online portal makes it easy for you to monitor and manage your loan from anywhere and anytime. Second Mortgage A second mortgage is a loan secured by the equity in your home that can be used for home improvements, debt consolidation, education expenses, or any other purpose you choose. (855) 710-7100 (305) 760-7070 Learn More Events Past events Upcoming events November 11-13, 2022 2022 National Association of REALTORS® Conference and Expo November 11, 2022 2022 National Association of REALTORS® Conference and Expo Credit scores down to 660 Owner-occupied or second home or investment Max CLTV 85% Maximum 50% DTIMay 8-9, 2023 2023 REALTORS® Legislative Meetings (Washington DC) Credit scores down to 660 Owner-occupied or second home or investment Max CLTV 85% Maximum 50% DTIMay 08-09, 2023 The 2023 REALTORS® Legislative Meetings and Trade Expo November 11, 2022 2022 National Association of REALTORS® Conference and Expo Credit scores down to 660 Owner-occupied or second home or investment Max CLTV 85% Maximum 50% DTIMay 8-9, 2023 2023 REALTORS® Legislative Meetings (Washington DC) Credit scores down to 660 Owner-occupied or second home or investment Max CLTV 85% Maximum 50% DTIWe will be adding new events soon. Nationwide mortgage lender AD Mortgage is a well-established, reputable, and trusted mortgage company, committed to providing exceptional services to potential homebuyers and brokers. About AD Mortgage Where We Are Licensed Licensed Business purpose loans only * License not required for business purpose loans 17+ years on the market 20+ tailored loan programs 40+ states we do business in Our borrowers say AD is very well organized. Olga Letushko did a great job helping me get everything together accurately and on time. He was very responsive, always answered his phone when i called. Made getting this loan smooth and painless. Thank you Olga for all your help and positivity. Highly recommended. Vladimir Romanov Our borrowers say I had a wonderful experience again with the team at AD Mortgage. I was able to close our file in under 30 day. The team at AD Mortgage was extremely engaged at all times during this transaction and it made for a great positive experience for me and ultimately my client. Ilya Babenko Our borrowers say My wife and I refinanced our mortgage with Xavier’s consistent attention and professionalism. We were able to complete the process very smoothly with no problems. I look forward to a great relationship with AD Mortgage in the future! Xavier was prompt, efficient, and proactive. In fact, I have referred him to acquaintances interested in refinancing. Alvin Creswell Get prompt expert advice Our Mortgage Experts are ready to help you in any way they can. (855) 710-7100 (305) 760-7070 Olga Letushko Client Relationships Manager Xavier Melendez Customer Retention Specialist, MLO Agustina Ortiz Customer Retention Specialist Get started now Provide us with basic information and we will help you make the right choice Apply to Purchase Apply to Refinance Home loans Weekdays 9 am — 6 pm (EST) (855) 710-7100 (305) 760-7070 home@admortgage.com 1720 Harrison Street 7th Floor, Hollywood, FL 33020 Our Programs No Income Verification 12/24 Bank Statements 1Y + 2Y PL Only Foreign DSCR 1099 All ProgramsWhy us Contacts Policies Website Accessibility Privacy Policy Important Disclosures NMLS # 958660 — NMLS Consumer Access Licensed Mortgage Banker-NYS Department of Financial Services. 2024 © AD Mortgage LLC This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this...