AD Mortgage has announced the launch of AD Power Jumbo, a consolidated jumbo mortgage program designed to serve qualified borrowers who fall outside traditional bank underwriting standards. The new offering replaces the lender’s existing Prime Jumbo Blue and Prime Jumbo Red products, combining them into a single program with higher loan limits, improved terms, and greater flexibility.
AD Power Jumbo is targeted at what the company describes as “jumbo-ready but bank-declined” borrowers, those with steady income, FICO scores of 660 or higher, and downpayments in the 10% to 15% range who are frequently turned away by banks due to elevated debt-to-income (DTI) ratios, limited credit depth, or constrained liquidity.
“AD Power Jumbo is our response to a market that’s hungry for flexibility without compromise,” said Max Slyusarchuk, CEO of AD Mortgage. “By consolidating our jumbo offerings into one powerful program, we’re giving our partners and their clients a cleaner, smarter solution.”
The program includes loan amounts of up to $5 million, allowing brokers to serve high-net-worth borrowers in coastal and luxury markets without the need for layered or secondary financing. One of its more notable features is an unlimited cash-out option, enabling borrowers to fully access home equity for purposes such as business investment, debt consolidation, or additional property acquisitions.
AD Power Jumbo also offers adjustable-rate mortgage options with 5/6, 7/6, and 10/6 terms, providing borrowers with rate flexibility that may be well-suited for those planning to sell or refinance within the initial fixed-rate period. Underwriting parameters include combined loan-to-value ratios up to 89.99%, minimum FICO scores starting at 660, and allowable DTIs up to 50%, expanding eligibility for borrowers with strong income profiles but nontraditional credit or cash positions.
AD Mortgage operates as a direct mortgage lender offering a range of conventional, government, and non-QM loan products, with 24-hour turnaround times and competitive pricing. In addition to jumbo offerings, the lender provides solutions for prime borrowers, foreign nationals, and borrowers with imperfect credit histories, as well as no-income-verification programs for investment properties. The company also supports brokers with concierge services, bank statement reviews, and marketing resources.
