Self-employment
Points and Fees
Properties
Guideline Changes
People at A&D
US states and capitals
100

Name 1 unacceptable form of vesting

land trust, irrevocable trust, foreign LLC

100

Max points and fees on TX 50(a)6

what is 2%

100

Min FICO for Rural Property

What is 680

100

Min PPP on a DSCR 2nd Lien

1 year PPP

100

Collateral Team Lead

What is Nikita Cherns

100

The capital of NY state is...

Albany

200

The amount of bank accounts I can use per business

What is 2 accounts

200

Total points and fees for Investment Loan 

What is 7%

200

Project review is waived for

2-4 units and detached units

200

A Single entity may own __ units in project with 5-20 units and up to _____% of units in projects with 21+ units

What is 2 units and 30%

200

UW 1 Team Lead

Jason Taylor, Svetlana Kuptsova, or Sergey Ivanov

200

NH is the abbreviation for 

New Hampshire

300

The documents required to vest in LLC

What is 1. Articles of Incorporation, 2. CPA Letter OR Operating Agreement with ownership breakdown

300

Max seller concession on Non QM

What is 6%

300

Residency statuses ineligible for 2nd Lien cashout AND one ineligible 1st lien 

What is ITIN and Non Perm ; 

300

What percent of units must be sold or under contract as Owner Occupied?

What is 50%

300

 Senior UW Team Lead (1 Conventional/Govt and 1 Non QM)

Conventional/Govt: Carrie Doolittle, Amy Cowger, Maureen Lamar

Non QM: Brennen Maloney, Ryan Raad, Dakota Hassa, Elizabeth Crawford, Blaire Hodzinski

300

California's capital is...

Sacramento

400

What requirement do I need to meet to allow 6 NSFs?

No NSFs in most recent 3 months
400

Cost for the 3rd extension

What is 7.5 bps

400

Max vacant units allowed for Multifamily Property

What is 2 units

400

A&D will finance what % of units in one condo project

20%

400

UW Support Team Lead

Elena Halt

400

What is the abbreviation for the state Missouri?

MO

500

CPA Letter requirements for income purposes

Attestation from CPA/CTEC/IRS agent they have filed OR reviewed previous year of tax returns OR financial audit, signature, license number and date

500

Max amounts of points that can be financed

What is 2%

500

What programs at A&D allow Manufactured Homes 

VA, FHA, and Conventional

500

The max percent of units that can be late on their HOA dues

What is 15%

500

Lock Desk Team Lead (PM AND AM)

Polina Milstein, Kate Nixon or Ekaterina Nikonova

500

Chicago is the capital of which state?

None

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