Miami Broward Palm Beach Florida Home Mortgage Lenders

Miami Broward Palm Beach Florida Home Mortgage Lenders. The A&D Lending Team is committed to providing clients with the highest quality home loans that meet each person’s unique needs. When working with us you are working with the lender and not a “middle man”. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our team can help make your dreams come true.
A&D Mortgage as a direct lender has a team of licensed professionals and processing staff. We have been in the lending industry since 1985 and our team has experience with every type of loan product available. Our goal is to create lasting relationships with each one of our clients and be a resource for all of their financial needs for years to come.

We have a staff of processors, underwriters, closers and servicing personnel ready to help in every situation.

Below is a list of documents that we need when you apply for a mortgage. This is a preliminary list and you may be required to provide additional documentation once the loan process is started.

Income Documentation
- 2 years W-2’s
- 2 years tax returns – Business and personal
- Most recent 30 day paystubs
- Proof of retirement income – SS and Pensions (direct deposit & awards letter)
- If receiving child support or alimony we will eventually need proof of receipt for the past 12 months plus a copy of the divorce decree
- Letters explaining any gaps in employment for the past 2 years
Assets Documentation
- 2 months most recent bank statements & investment account statements
- 401K statement and terms of withdrawal
Purchase Contract – all pages
Borrower ID’s (Driver’s License and SS card – must be legible)
Work Visa or Green Card
If a refinance copy of current home owners insurance and flood policies

Note: Programs are subject to change without notice. Each program has its own set of underwriting guidelines; please contact one of our Loan Professionals to find out the latest and specific program requirements.