A&D Mortgage Review
Founded 2005 · Fort Lauderdale, FL · Nationwide
4.0
Editor Rating
A&D Mortgage is a Florida-rooted, nationwide non-QM specialist serving thousands of broker partners and an active issuer of non-QM securitizations. It is a wholesale and correspondent lender — borrowers reach its full self-employed menu through a mortgage broker.
Editor's Take
A fast-growing non-QM specialist with one of the deepest menus, including ITIN and jumbo. It is broker-channel only, so it belongs on your broker's comparison list rather than your direct-application shortlist.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Very broad non-QM menu including bank statement, P&L, 1099, asset
- ITIN and foreign-national programs available
- Jumbo non-QM up to roughly $5M
- Large broker network and active securitizer
Cons
- Wholesale/correspondent only — apply through a broker, not directly
- No direct consumer application or pricing
- Experience varies by the broker you choose
Loan Products Offered
Eligible Property Types
Best For
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A&D Mortgage Review: Frequently Asked Questions
Is A&D Mortgage a legitimate lender?
A&D Mortgage is an established lender founded in 2005 and headquartered in Fort Lauderdale, FL. It lends nationwide and specializes in bank statement loans, self employed mortgages, non qm loans, asset depletion loans, 1099 income loans, profit and loss loans, no tax return mortgages and itin mortgages. To verify it for yourself, confirm A&D Mortgage's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of A&D Mortgage?
Pros: Very broad non-QM menu including bank statement, P&L, 1099, asset; ITIN and foreign-national programs available; Jumbo non-QM up to roughly $5M. Cons: Wholesale/correspondent only — apply through a broker, not directly; No direct consumer application or pricing; Experience varies by the broker you choose.
Does A&D Mortgage offer bank statement loans?
Yes. A&D Mortgage offers bank statement loan programs that qualify self-employed borrowers using 12–24 months of bank deposits instead of tax returns or W-2s — useful for business owners and 1099 earners with non-traditional income.
What credit score do you need for A&D Mortgage?
A&D Mortgage's published minimum credit score is 620. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does A&D Mortgage charge?
A&D Mortgage's rates run approximately 7.25%–9.99% with origination fees of Set by your broker, on loans from $100K to $5M (up to 90% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
How fast can A&D Mortgage close a loan?
A&D Mortgage typically closes in 25–45 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. Self-Employed Lending Hub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.