AD Mortgage

Basic information

QM program

• Conventional
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• VA
• VA IRRRL

Loss payee

A&D Mortgage LLC ISAOA / ATIMA PO Box 2807 Daytona Beach, FL 32120-2807

CPL or subordinate clause

A&D MORTGAGE LLC ISAOA/ATIMA 899 W Cypress Creek Rd Fort Lauderdale, FL 33309

Lock policies & fees

Lock policies

Lock extension

1 Day 0.025 3 Days 0.075 7 Days 0.175 15 Days 0.375 30 Days 0.625

Relock

Relock Term Cost+Worst Pricing 15 Days 0.25 30 Days 0.375

Lock & Shop

No

Lender's niche & overlays

Lender's niche

Product Niches

https://admortgage.com/our-programs/

https://admortgage.com/support-marketing/documents-forms/

https://pricer.admortgage.com/

Lender's overlays

FHA-Overlays-2025-May.pdf - Google Drive

Lender turn time

Initial underwrite (days)

1

CTC conditions review (days)

1

Initial CD (days)

1

Reviews