AD Mortgage Correspondent

Alex Suslov, Head of Capital Markets, and Billy Abrams, President/CEO of ADM Securities, discuss recent and upcoming trends happening in the capital markets and their impact on the Non-QM market. Check out their discussion.


  • MND — 30yr Mortgage Rates Jump to 5.25%, Highest Since 2009. “The last few days of March offered some hope that 2022’s massive rate spike might be slowing down. The first few days of April crushed those hopes and things have only gotten worse as the new week begins.  After breaking above 5% by the end of last week, Monday morning brought the average 30yr fixed rate up to 5.25%, a level not seen since 2009.”
  • MND — Mortgage Credit Remains Tight. “Two full years after the COVID-19 virus upended life the Mortgage Bankers Association’s (MBA’s) Mortgage Credit Availability Index (MCAI) remains some 50 points below the range where it had hovered for several years before the pandemic hit. MBA says the index, fell 07 percent in March, to 125.1. A decline in the MCAI indicates that lending standards are tightening, while increases in the index are indicative of loosening credit. The MCAI has four components. The Conventional MCAI increased 0.3 percent, while the Government MCAI decreased by 1.6 percent. Of the component indices of the Conventional MCAI, the Jumbo MCAI increased by 1.5 percent, and the Conforming MCAI fell by 1.9 percent.”


Cash in on Cash-outs: Making Refinances Work in 2022
🗓️ Tuesday, April 19, 2022
🕐 1 PM EST

Analysts have predicted that 2022 will be a hard year for refinances, but there is still going to be activity in the cash-out sector. Find out how cash-out refinances work today, what their requirements are, what options are available to borrowers, and what are the alternatives.


The New Non-QM Normal: Successful Sales Strategies with Non-QM Programs
🗓️ Tuesday, April 26, 2022
🕐 1 PM EST

In today’s market, Non-QM loans are becoming the new normal as rates for conventional loans become increasingly more challenging to qualify for. Learn strategies on how to close more Non-QM business in a competitive market from a top A&D Account Manager.


Making a BIG Impact: How to Qualify for Jumbo and Prime Jumbo Loans
🗓️ Tuesday, May 3, 2022
🕐 1 PM EST

With rising and record-setting home prices in many areas, borrowers are needing loans with higher loan limits. Learn why A&D’s Jumbo and Prime Jumbo loans can help you win more business in 2022.


Correspondent Lending 101: Go Mini-Corr or Go Full?
🗓️ Tuesday, May 10, 2022
🕐 1 PM EST

The world of Correspondent lending is a different world filled with mini-corr, delegated, and non-delegated correspondent options. If you’ve been interested in becoming a correspondent lender of any type, this informative webinar will discuss the differences between each type and why A&D Mortgage is your perfect partner no matter which you choose.