9,000+ partners

More than 9,000 partnering brokerage companies

20 years

20 years in the mortgage industry

48 states

Operating from coast to coast

30 mins

Responding to requests within 30 minutes

AD Mortgage – Mortgage Lender That Helps You Win

AD Mortgage is a broker-voted Top 5 U.S. wholesale lender, and recognized as a top Non-QM lender in the U.S. With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.

Partner with AD Mortgage for award-winning technology and lending solutions that move your business forward. Embrace the Power of Yes!

About Us

Benefits to grow your business

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Streamlined Loan Process

Our streamlined loan process provides our partners with industry-leading turn times, ensuring you're always ahead of the competition.

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"Can Do" Attitude and Expertise

Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.

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Loan Solutions that Grow

Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.

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Flexible Underwriting

Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.

Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Closing

24 hours

24 hours

Programs

DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loans with fast turn times
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0
Learn More

12/24 Month Bank Statement

No Score or FICO 620 Up to 90% CLTV
A perfect fit for self-employed borrowers
  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Concierge Service for income calculation
  • Min. FICO 620 or no score
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 70% CLTV for Super Prime
  • Min FICO 700 and up to 80% CLTV for OO
  • Loan amounts up to $1.5 million 
  • Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700
Learn More
All Programs
Quick Pricer

Calculate your scenario

Get detailed information about the potential loan

Price Your Loan

Why we are trusted

Your most important asset is your human capital, the people you have here. I had a transaction that seemed very simple but it became complicated and was declined. I called Frank, our account rep at AD Mortgage, and we double-checked everything together. It looked like something we could do and he got it done. His level of knowledge and the way he handled the transaction inside the company made it work, and we were able to close in three weeks.

If you do not have a great lender, a great partner, and a great account rep like Frank, it becomes almost impossible to complete a transaction and keep everyone satisfied. That relationship is essential.

The condo market in South Florida is very complicated and finding a partner like AD, especially an account rep like Frank who guides you through the process and makes it easy, is incredible. My perfect lender is the one where a yes truly means yes. They communicate, and AD has made strong progress in that.

Rafael Amaro
Premier Lending
4:49
Watch video

AD Mortgage with their new system and website has truly leveled up everything. Organization and consistency make a big difference in today’s market, and with AD everything is clear and smooth.

When you send a loan, it gets closed right away, and often I receive approvals within a day. The support team is always there, reviewing documents quickly and helping the process move forward. The support at AD is definitely 10 out of 10. Their rewards program is also a great tool for brokers.

Arianna Triana
Mortgage Loan Originator
3:57
Watch video

Definitely, there have been a couple of files that I have been able to finalize thanks to AD Mortgage. The huge difference that made it work above everything was the connection with my account executive and how helpful he has been ever since we met. AD has always been there, you’re super-fast, and the turnaround times are very good. That’s really good work right there.

Alejandra Lozano
Glades Lending and Realty LLC
3:32
Watch video

AD are making some technical changes that have helped with the speed and getting from originating to closing. A lot of things are done online and it’s going to continue to be that way. I think, AD has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

06/17/2025

Your most important asset is your human capital, the people you have here. I had a transaction that seemed very simple but it became complicated and was declined. I called Frank, our account rep at AD Mortgage, and we double-checked everything together. It looked like something we could do and he got it done. His level of knowledge and the way he handled the transaction inside the company made it work, and we were able to close in three weeks.

If you do not have a great lender, a great partner, and a great account rep like Frank, it becomes almost impossible to complete a transaction and keep everyone satisfied. That relationship is essential.

The condo market in South Florida is very complicated and finding a partner like AD, especially an account rep like Frank who guides you through the process and makes it easy, is incredible. My perfect lender is the one where a yes truly means yes. They communicate, and AD has made strong progress in that.

Rafael Amaro
Premier Lending
4:49
Watch video

AD Mortgage with their new system and website has truly leveled up everything. Organization and consistency make a big difference in today’s market, and with AD everything is clear and smooth.

When you send a loan, it gets closed right away, and often I receive approvals within a day. The support team is always there, reviewing documents quickly and helping the process move forward. The support at AD is definitely 10 out of 10. Their rewards program is also a great tool for brokers.

Arianna Triana
Mortgage Loan Originator
3:57
Watch video

Definitely, there have been a couple of files that I have been able to finalize thanks to AD Mortgage. The huge difference that made it work above everything was the connection with my account executive and how helpful he has been ever since we met. AD has always been there, you’re super-fast, and the turnaround times are very good. That’s really good work right there.

Alejandra Lozano
Glades Lending and Realty LLC
3:32
Watch video

AD are making some technical changes that have helped with the speed and getting from originating to closing. A lot of things are done online and it’s going to continue to be that way. I think, AD has recently made those steps to keep pace with that.

David J. Poloney
Mortgage broker
04:27
Watch video

AD Mortgage offers a varierty of products for many different lending needs. System is easy to navigate and helps guide me through many different scenarios easily. There are a lot of improvement recently making it friendly and easy to prospect.

Our Account Excecutive, Carlos Cavada, is very approachable and available. Their Power Up by AD event is amazing. It helped open my eyes to the full capabilities of AD. It’s great to explore so many other lending options and how they use AI to asssit along the way. The future is bright with AD.

Anne Nguyen
Posted to
04/11/2026

Edward Webb and AD Mortgage are a must-have for any mortgage broker/lender in the USA. I’ve been writing loans for over 30 years, and this has been one of the very best experiences I’ve encountered. Ed is incredibly responsive, knowledgeable, aggressive, and has the product knowledge experience of the consummate wholesale professional. Thank you Ed, and AD Mortgage for a great experience on a tough deal!

Zachery von Gonten
Posted to
03/31/2026

A&D Mortgage has an easy-to-navigate broker portal, which makes the process efficient and streamlined. Our Account Representative, Gregory Kutcher, is knowledgeable, responsive, and truly great to work with. Underwriting was smooth, and the closing and funding departments were equally easy to work with. Throughout the entire transaction, I genuinely felt like I was working with a cohesive team.

Kirsten Fleenor
Posted to
12/15/2025

AD Mortgage has improved their process greatly over the past few years. I got initial approval on Monday and closed and funded that same Friday (non-QM). Huge thanks to Madison, Olga, Anastasiya, and Lori — truly the best in the business! 🙌✨

Stephen Fierce
Posted to
10/02/2025

The accomplishment of closing loans that fit within the box as well as out of the box has many options with A&D. Marlene Ruiz is very helpful and fully understands the importance of timing, rate and closings. Good job!

Jackie Mitchell
Posted to
03/14/2026

I had an excellent experience working with AD Mortgage on this transaction. The team is incredibly responsive, efficient, and truly professional — they consistently perform at a high level across every transaction, not just one.

A special thank you to Edward (Team Lead) for outstanding support, attention to detail, and dedication — it made the entire process smooth and fast.

As a Loan Officer, I highly recommend AD Mortgage as a reliable and top-performing lending partner. Looking forward to many more successful deals together!
— Raisa Grigoryan
Loan Officer

Raya Grigoryan
Posted to
03/18/2026

Working with AD Mortgage has been a very good experience. I would recommend them 100%. I have funded 5 deals in the last 6 months and continue using them as my main source for lending.

Arthur Zaslavski
Posted to
04/01/2026

Working with A&D Mortgage has been nothing short of exceptional. They truly live up to their slogan, ‘The Power of Yes.’ Their team is highly knowledgeable, resourceful, and consistently finds solutions for even the most complex scenarios. On top of that, their pricing is not only competitive but often better than traditional lenders. Highly recommended!

Drimar Castrillo
Posted to
09/09/2025

Awesome and fast service.

09/19/2025

AD Mortgage in my opinon is the best Non-QM investor in the market. They get things done quickly and efficiently. Everyone from the AE, Mark Glaser to the Underswriters and Closers are always willing to go above and beyond to help. Thank you for getting me a clear to close in 15 days and closing my loan in less than 30 days.

06/17/2025
We've received more than 1,300 great reviews about our company
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Where We Are Licensed

* License not required for business purpose loans
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