Business Details
21 Years
experience
Your Trusted Mortgage Partner in Fort Lauderdale
A&D Mortgage has been a trusted leader in the mortgage industry for 20 years, recognized as a Forbes Top 10 wholesale lender and a top Non-QM lender in the US. Our comprehensive loan programs include DSCR, Bank Statement, FHA, and Conventional loans, designed to meet diverse borrower needs. With a network of 8,500+ partnering brokerage companies, we operate across 48 states, delivering fast approvals and closing times. Our team of experienced Account Executives combines a 'can do' attitude with industry expertise to provide tailored solutions for complex scenarios. We invest in award-winning technology like the AIM Partner Portal and ADvantage Loyalty Program to enhance partner efficiency.Our commitment to innovation is demonstrated by 24-hour underwriting and closing processes, alongside flexible underwriting standards that serve out-of-the-ordinary borrowers. A&D Mortgage's growth tools, including free CRM systems and customized marketing materials, empower partners to expand their businesses. Our 4.8-star rating from 1,206 reviews reflects our dedication to client satisfaction. Headquartered in Fort Lauderdale, Florida, we respond to requests within 30 minutes and maintain active participation in industry associations. Our mission remains to provide lenders with the tools, support, and loan products needed to succeed in today's competitive mortgage market.
Services
Non-QM Loans
Conventional Loans
VA Loans
FHA Loans
Second Mortgage
Details
- Year established: 2005
Highlights and features
- 20 years of mortgage industry experience with 8,500+ brokerage partners
- 24-hour underwriting and closing processes for fast approvals
- Award-winning technology including AIM Partner Portal and ADvantage Loyalty Program
- Flexible underwriting for non-traditional borrowers and complex scenarios
- Dedicated Account Executives with industry-leading expertise
What people say
Fast approvals
Exceptional support
Stress-free process
Quick turnaround
Award-winning technology
Services
Non-QM Loans
Our Non-QM loan programs provide financing solutions for borrowers who don't meet traditional qualifying criteria. These include DSCR, Bank Statement, and ITIN loans that utilize alternative income verification methods. With minimum FICO scores starting at 580 and CLTV up to 90%, these products serve self-employed individuals and investors. Our streamlined 24-hour underwriting process ensures quick approvals while maintaining compliance standards.
Conventional Loans
We offer Fannie Mae and Freddie Mac conforming loan programs with competitive rates and flexible terms. Our conventional options include standard loans with 3% minimum down payments and up to 97% LTV, as well as jumbo products for high-value properties. These programs feature DTI ratios up to 50% and allow cash-out refinancing up to 80% CLTV for owner-occupied properties.
VA Loans
Our VA loan programs provide 100% financing options for eligible veterans and active-duty personnel. These include standard VA loans with no down payment requirements and IRRRL streamline refinance options with no appraisal needed. We offer loan amounts up to $2 million with minimum FICO scores starting at 580, including options for manufactured homes and investment properties.
FHA Loans
Our FHA loan programs feature low down payment requirements starting at 3% with minimum FICO scores of 580. These government-backed loans offer LTV up to 97.75% for primary residences, with special provisions for cash-out refinances up to 80% LTV. Our underwriting team specializes in helping first-time homebuyers qualify through these accessible programs.
Second Mortgage
Our second mortgage products provide additional financing options for homeowners with existing equity. These loans offer up to $500,000 in funding with DTI ratios up to 50%, available for owner-occupied, second homes, or investment properties. With flexible credit requirements including no minimum score for FN or FICO 680 and above, these products offer competitive terms for qualified borrowers.
People
Arianna Triana
Mortgage Loan Originator
Arianna Triana is a Mortgage Loan Originator who praises A&D Mortgage's efficient processes and exceptional support team. She highlights the company's ability to close loans quickly and its rewards program as key advantages for brokers.
Alejandra Lozano
Glades Lending and Realty LLC
Alejandra Lozano from Glades Lending and Realty LLC commends A&D Mortgage's responsive account executives and fast turnaround times. She emphasizes the importance of their supportive team in successfully finalizing challenging loan files.
David J. Poloney
Mortgage Broker
David J. Poloney, an experienced mortgage broker, appreciates A&D Mortgage's technical advancements and online capabilities. He notes the company's ability to maintain pace with industry changes and improve processing speed from origination to closing.
Kayla Torres
Account Executive
Kayla Torres, a dedicated Account Executive, receives special recognition for her exceptional support, responsiveness, and industry knowledge. She consistently goes above and beyond to ensure smooth loan processing and client satisfaction for partner companies.
Xavier
Loan Officer
Xavier, a standout loan officer, demonstrates exceptional responsiveness and communication skills. He provides stress-free mortgage experiences through clear explanations and timely responses, earning high praise from satisfied clients like Irina Vasquez.
Questions
What loan programs does AD Mortgage offer?
AD Mortgage offers Non-QM, Conventional, VA, FHA, and Second Mortgage programs with various credit score, LTV, and DTI options to suit different borrower profiles.
How quickly can AD Mortgage process a loan?
We provide 24-hour underwriting and closing processes with typical approvals within one day and complete closings possible within 7-30 days depending on loan type.
Do you offer technology tools for partners?
Yes, we provide the AIM Partner Portal, free CRM systems, ADvantage Loyalty Program, and customized marketing tools to enhance partner efficiency and business growth.
What support options are available?
Our dedicated support team offers live assistance Monday-Friday 8 AM-9 PM EST, screen-sharing sessions, and personalized training for new partners and account executives.
Can I get financing with non-traditional income verification?
Yes, our Non-QM programs accept bank statements, ITIN, and DSCR verification methods for self-employed borrowers and those with unique income situations.
Are there loyalty rewards for partner brokers?
Yes, our ADvantage Loyalty Program offers rewards and benefits to brokers who partner with us for their mortgage financing needs.
Videos
Reviews (4)
Tayana Campos
Oct 24, 2021
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I worked with JAY LAM ACCOUNT EXECUTIVE | WHOLESALE LENDING. According to Jay he is #2 in the authority company level. The client was approved by this lender. They took 2200 upfront from the borrower to process the loan. The loan was approved by the lender compliance department and the attorney they hired. Note they force the borrower to pay for that attorney upfront. No conditions on file. Contract was extended several times and finally the loan package was sent by lender attorney. Now the lender refuses to fund the loan. Seller of the property loss their deposit on the property they were purchasing
Kathleen K.
Oct 14, 2021
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I am a seller whose buyer used A&D Mortgage. Closed Monday Oct. 11 on a bank holiday, and two days later (as of 4 pm), I have still not received my funds. In every real estate closing I have ever done, I have never seen anything like this. Something's very fishy.
Alim Muhammad
Sep 22, 2021
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Pre-approved me. Had me sign the loan paperwork twice just for them to come back and not approve my loan a week before closing. I made accommodations from work and with movers, etc. Waste of almost 30 days I spent with this company. This was bad business.
Crystal Jackson
Sep 19, 2021
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Just closed on my first home today due to this mortgage company A&D Mortgage they are wonderful. It was a rough process but A&D mortgage made sure I got to the finish line. Stephen, Bella, Anna are the best they are knowledgeable, dependable, answered every call, every email, every question I had and in a timely manner. I will definitely refer my colleagues, family, friends, anyone who are purchasing there first home or refinancing there home to use this mortgage company.
