A&D Mortgage Wholesale Mortgage Rates, Through an Independent Broker
Non-QM and foreign-national wholesale specialist.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with A&D Mortgage and submits files directly into its wholesale channel. This page explains what A&D Mortgage is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of A&D Mortgage. This page reflects a genuine wholesale relationship Duane originates through directly.
What A&D Mortgage Is Known For
- Recognized specialist in non-QM lending
- Programs designed for foreign-national borrowers
- A common search for investment-property and non-traditional-income files
Program Fit & Flexibility
A&D Mortgage's wholesale guidelines generally show a minimum credit score of 660 minimum on most non-QM programs (raised from 580/no-score floor per Dec 2025 update); DSCR investor programs from 620, with down payment requirements of Foreign National up to 80% LTV (20% down); DSCR from 20% down at 620 FICO. Loan amounts and program range: Non-QM loan amounts up to $4 million. Documentation type: 12/24-month bank statement, 1099, WVOE, P&L, asset utilization. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against A&D Mortgage's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
A&D Mortgage vs. a Typical Wholesale Alternative
| Feature | A&D Mortgage | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Recognized specialist in non-QM lending | Varies by lender — compare at time of application |
| Credit score flexibility | 660 minimum on most non-QM programs (raised from 580/no-score floor per Dec 2025 update); DSCR investor programs from 620 | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Foreign National up to 80% LTV (20% down); DSCR from 20% down at 620 FICO | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-QM loan amounts up to $4 million | Varies by lender and program |
| Documentation type | 12/24-month bank statement, 1099, WVOE, P&L, asset utilization | Varies by lender and program |
Getting a Real A&D Mortgage Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from A&D Mortgage's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A self-employed borrower with a 680 credit score and 15% down on a $400,000 purchase, qualifying through A&D Mortgage's bank-statement non-QM program instead of standard W-2 documentation. On a $340,000 loan at an illustrative 7.5% wholesale rate, principal and interest runs approximately $2,377/month — before taxes, insurance, or PMI.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on A&D Mortgage's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — A&D Mortgage
Do I need W-2 income to qualify through A&D Mortgage?
No. A&D Mortgage is known in the wholesale market for non-QM programs, including bank-statement and asset-based qualification for borrowers who don't fit a standard W-2 file — exact eligibility depends on the borrower's documentation and the current rate sheet.
Does A&D Mortgage lend directly to consumers?
No. A&D Mortgage funds loans exclusively through independent wholesale brokers, so a broker relationship like Duane's is required to access its wholesale non-QM pricing.
What types of alternative income documentation does A&D Mortgage accept?
A&D Mortgage accepts 12 or 24 months of personal or business bank statements, 1099 forms, Written Verification of Employment (WVOE), Profit & Loss statements, and asset utilization options.
Can foreign nationals get a mortgage through A&D Mortgage?
Yes. A&D Mortgage specializes in Foreign National loan programs, allowing non-U.S. citizens to purchase or refinance investment properties and second homes with up to 80% LTV (20% down payment).
What is the minimum credit score required for A&D Mortgage non-QM loans?
Most Non-QM programs require a 660 minimum FICO score, while DSCR investor property programs allow credit scores starting down to 620 FICO.
How does a DSCR loan work with A&D Mortgage?
A Debt Service Coverage Ratio (DSCR) loan qualifies real estate investors based strictly on the property's rental income rather than personal tax returns or employment verification.
What is the maximum loan amount available through A&D Mortgage?
A&D Mortgage offers Non-QM loan amounts up to $4 million for qualified borrowers on luxury properties and prime investments.
How does Duane's NoTouch Credit Pull work with A&D Mortgage?
Duane performs a soft credit inquiry to pull exact pricing and eligible products from A&D Mortgage's rate sheet without placing a hard credit check on your report.
Are short-term rentals (like Airbnb) eligible under A&D Mortgage DSCR programs?
Yes. A&D Mortgage allows projected or documented short-term rental income (AirDNA or lease history) to qualify DSCR investment properties.
Can I combine A&D Mortgage with other wholesale options?
Yes. Working with an independent broker allows Duane to price your file against A&D Mortgage alongside 30+ other wholesale investors to ensure you get the absolute best rate for your situation.
Are there pre-payment penalties on A&D Mortgage investor loans?
Pre-payment penalties are common on DSCR investor loans, but options are available to buy down or customize the penalty structure depending on state regulations and pricing preference.
How does the Rate Challenge apply to an A&D Mortgage quote?
If you have an existing quote from another lender or broker, bring your Loan Estimate to Duane. He will run a direct comparison against A&D Mortgage's current wholesale rate sheet to verify if a lower rate is available.
How long does pre-approval take for an A&D Non-QM loan?
With Duane's soft-pull pre-approval process, initial eligibility and rate sheet pricing from A&D Mortgage can usually be determined within 24 to 48 hours after submitting income documents.
Compare A&D Mortgage Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against A&D Mortgage and every other lender in the directory.
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