Your Non-QM Partner,
Built for Broker Success.

This training equips you to use the AMS broker portal, understand our loan programs, and close complex loans with confidence.

2 Days

Initial UW

2 Days

Condition Review

$5MM

Max Loan

9

Programs

Training Overview

By the End of This Training, You Will Be Able To...

5 core outcomes for every AMS broker partner

01Explain what Adelaide Mortgage Solutions offers and why it's the right Non-QM partner for your business
02Match any borrower scenario to the right AMS loan program using key qualifying criteria
03Navigate the AMS wholesale portal home screen and track loans through every status stage
04Register and submit a loan in the AMS portal from start to finish
05Identify the required documents for submission and know where to find support resources

01

Section One

About Adelaide
Mortgage Solutions

Who we are, what we do, and why broker partners choose AMS for their Non-QM deals.

About AMS

We Close the Loans Others Can't.

AMS specializes in flexible Non-QM solutions for complex borrowers

Non-QM lending for brokers, banks, and credit unions
Common-sense underwriting — real income, real life
Loans from $150K to $5,000,000 across 9 programs
Dedicated AE assigned to every partner
We become an extension of your team

$5MM

Max Loan

680

Min FICO

9

Programs

Value Proposition

Six Reasons Brokers Choose AMS

What you get when you partner with us

⚡ Fast Turn Times

Speed

Initial UW: 2 business days
Condition Review: 2 business days
Same-day scenario reviews

🤝 Dedicated AE

Support

Hands-on scenario review
Deal structuring help
Exception guidance

📋 Common-Sense UW

Flexibility

Real-world income analysis
Multiple doc type options
Complex borrowers welcome

💰 Competitive Pricing

Value

Transparent rate sheets
Updated regularly
AE scenario pricing help

🏠 Broad Properties

Eligibility

SFR, PUD, 2-4 Unit
Non-Warrantable Condo
Condotel eligible

📁 Streamlined Portal

Efficiency

Full pipeline visibility
Doc upload & tracking
tpo.adelaidems.com

02

Section Two

Non-QM Loan
Programs

Nine programs designed to qualify every borrower type — from real estate investors to self-employed professionals and high-net-worth individuals.

Programs at a Glance

Match Every Borrower to the Right Program

Min FICO 680 | Loans $150K–$5MM | Fixed, ARM & I/O available across all programs

Program	Best For	Max LTV	Max DTI	Occupancy
DSCR	Real Estate Investors	80%	No DTI	Investment
Bank Statement	Self-Employed	90%	50%	Pri / 2nd / Inv
1099 Reduced Doc	Contractors	90%	50%	Pri / 2nd / Inv
Profit & Loss	Business Owners	90%	50%	Pri / 2nd / Inv
Asset Utilization	High Net Worth / Low Income	90%	No DTI	Pri / 2nd / Inv
Asset Depletion	Retired / HNW	90%	50%	Pri / 2nd
WVOE	W2 Employees	80%	50%	Primary Only
Rental Income	Investors (supplemental)	90%	50%	Investment
Full Doc	Traditional Income	—	50%	Pri / 2nd / Inv

💡 Key Takeaway

When the income doesn't fit a conventional box, there's an AMS program that works. Ask your AE to help match the borrower to the right program before submission.

Program Deep Dive

DSCR: No Personal Income Required

Qualify investors using the property's rent — not their tax returns

Max LTV 80% — No DTI requirement
Min FICO 680 | Loan $200K – $5MM
Investment occupancy only (Business Purpose)
SFR, PUD, 2-4 Unit, Warrantable & Non-Warrantable Condo, Condotel
Short-term rentals allowed
First-time investors eligible
LLC / Corporation vesting eligible

💡

Ideal Scenario: Investor buys a rental — the rent covers the mortgage. No tax returns, no W2s, no DTI calculation needed.

No DTI

Qualified by property cash flow

IO + ARM

Flexible rate options

Program Deep Dive

Three Ways to Qualify Self-Employed Borrowers

No tax returns required — use what the borrower actually has

Bank Statement

Self-Employed

12 or 24 months statements
Personal or business accounts
Max LTV 90% | DTI 50%
$150K – $5MM
Primary, 2nd, Investment

1099 Reduced Doc

Contractors

1 or 2 years 1099s
No tax returns needed
Max LTV 90% | DTI 50%
$150K – $5MM
Primary, 2nd, Investment

Profit & Loss

Business Owners

CPA-prepared or self-prepared
2 yrs self-employment req'd
Max LTV 90% | DTI 50%
$150K – $5MM
Primary, 2nd, Investment

💡

Key Takeaway: All three programs support fixed, ARM, and interest-only options. Short-term rentals eligible on investment occupancy. When in doubt, let the borrower choose the doc type that tells the best income story.

Program Deep Dive

Asset-Based, WVOE & Rental Income

Solutions for high-net-worth, W2 employees, and income-property investors

Asset Utilization

High Net Worth / Low Income

Assets used as primary income
Max LTV 90% — No DTI
Primary, 2nd, Investment

Asset Depletion

Retired / Wealth Borrowers

Portfolio depleted over loan term
Max LTV 90% | DTI 50%
Primary and 2nd Home only

WVOE

W2 Employees — Simple Docs

Written verification only
Max LTV 80% | DTI 50%
Primary occupancy only

Rental Income

Investment Supplement

Rental income used to qualify
Max LTV 90% | Short-term rentals OK
Investment occupancy

Every Borrower Deserves a Path

03

Section Three

The AMS Broker Portal

Everything you need to register, manage, and close loans — from a single screen. Login at tpo.adelaidems.com

Broker Portal — Home Screen

Your Pipeline is Organized Left to Right by Status

Every loan moves through 7 stages — you can track it all from one screen

📋

Registered

Entered, not submitted

📨

Disclosures Sent

Borrower notified

🔍

In Review

Under UW

✅

Cond. Approved

Conditions open

🟢

Clear to Close

Ready to close

🏦

Funded

Complete

🗂

All Loans

Full view

Each loan row has action buttons: Edit, Loan Status, Documents, Lock Request, Conditions
Use the All Loans tab to search your entire pipeline regardless of status
Withdrawn and Denied loans are tracked separately for your records

AMS Wholesale Portal — Home Screen

Login URL

tpo.adelaidems.com — bookmark this in your browser for quick access.

Broker Portal — Loan Registration (Part 1 of 2)

Start a Loan in 4 Steps

From the home screen to a complete application

1

Click "Start Loan"

From the portal home screen, click the Start Loan icon at the top of the page.

2

Choose Your Upload Method

Select FNMA 3.2/3.4 file upload (recommended), manual entry, or basic registration for bank statement review.

3

Designate Loan Purpose

Select Consumer Purpose or Business Purpose, then upload or drag-and-drop your FNMA file. Missing fields highlighted in red.

4

Complete Originator Info

Enter your estimated closing date and interview date. Save before continuing.

Loan Registration — AMS Portal

💡 Pro Tip

Use the FNMA 3.2/3.4 file whenever possible — it pre-populates the application and reduces errors from manual entry.

Broker Portal — Loan Registration (Part 2 of 2)

Price, Lock, and Register

Completing the registration from credit through final registration

5

Import Credit & Accept Findings

Import the credit report. Once loaded, click "Accept These Findings and Continue" then click OK.

6

Select Product & Get Pricing

Choose your product. Select a lock period and click "Get Pricing." If a product shows "Ineligible," click it to see which loan parameters don't meet guidelines.

7

Choose Your Rate

Click your all-in price. A snapshot shows the base price and all LLPAs included. Click Continue.

8

Register the Loan

Fill in all fields on the Register Loan tab, including vesting type and broker comp. Click "Register" to complete.

Portal Workflow

Edit 1003→ Credit→ Pricing→ Register Loan

🎯

Remember:

✓ Estimated closing date is required
✓ Interview date must be entered
✓ Ineligible products show the reason — fix the scenario or pick another product
✓ Click Register — not just Save — to finalize

Your AE is available any time to help with pricing or product selection.

04

Section Four

Loan Submission &
Required Documents

What to gather before you submit — and how to make sure your file moves through underwriting without delays.

Loan Submission

Gather These Documents Before You Submit

Complete packages move faster — missing docs are the #1 cause of UW delays

Required For	Documents Needed
All Loans	1003 · Bank statement · Title fee sheet · Credit report (≤90 days) · Purchase contract & EMD
Bank Statement	12 or 24 months statements · Proof of 2 yrs self-employment · Ownership % docs
DSCR / Investment	Lease or market rent analysis · LLC docs (if applicable): Articles of Org, Operating Agreement, Tax ID, Cert. of Good Standing
1099 / P&L	1 or 2 yrs 1099s or CPA P&L · Proof of 2 yrs self-employment
Full Doc – W2	30 days paystubs · 1 or 2 yrs W2s
Full Doc – SE	1 or 2 yrs personal & business tax returns · Proof of SE history

⚡ Faster Closings Start Here

Run through the full NonQM Submission Requirements checklist before submitting. Available in the portal resources tab.

📋

Turn Times:
Initial UW decision: 2 business days
Condition review: 2 business days

Upload condition responses directly in the portal under the Conditions tab.

Pricing

Always Price Your Scenario Before You Quote

Rates vary by program, FICO, LTV, and loan amount — never quote from memory

Current rate sheets at adelaidems.com/ratesheets
Also accessible directly inside the broker portal
Rate lock requests submitted through the portal
Lock period options shown during the pricing step at registration
LLPAs displayed in a snapshot before you confirm pricing

💡

Run the scenario by your AE before locking. They can identify the best-fit program and catch LLPA adjusters that may affect the rate — saving you and your borrower from surprises.

Lock In Portal

Rate lock process

Lock period selected during the Pricing step of loan registration

LLPA Preview

Pricing transparency

See base price + all LLPAs in a snapshot before confirming your rate selection

Rate Sheet Access

Bookmark adelaidems.com/ratesheets — rates update regularly and should be verified before every quote.

Support

Your AE is Your Most Valuable Resource

Every AMS partner gets a dedicated Account Executive — use them early and often

Find your AE at adelaidems.com/find-your-ae
Scenario review before submission — not after
Income doc type selection for complex borrowers
Exception requests — managed by your AE
Condition resolution and priority file support

General Contact

📞 833.525.7065

✉ sales@adelaidems.com

Mon – Fri | 9AM – 5PM CST

📊 Program Matrices

📁 UW Guidelines

💲 Rate Sheets

📋 Submission Checklist

All resources available at adelaidems.com/resources and inside the broker portal

Your Dedicated AE Team

Knowledge Check

Before You Go — 5 Things to Remember

If you can answer these, you're ready to use AMS

?Which AMS program qualifies an investor using only the rental income of the property — no personal income needed?
?A self-employed borrower doesn't want to use tax returns. What are their three income doc options at AMS?
?What's the portal URL, and what does the pipeline tab strip show you from left to right?
?During loan registration, what file format is recommended for the fastest, most accurate application?
?Where do you go to find your dedicated Account Executive, and what are the two best times to contact them?

Answers

1. DSCR · 2. Bank Statement, 1099, Profit & Loss · 3. tpo.adelaidems.com — Registered → Disclosures Sent → In Review → Cond. Approved → CTC → Funded · 4. FNMA 3.2/3.4 file upload · 5. adelaidems.com/find-your-ae — before submission and before locking a rate

Let's Get Started

You're Ready. Here's What to Do Next.

Four actions to take before your first AMS loan

1

Apply to Become a Partner

adelaidems.com/become-a-partner

2

Log Into the Broker Portal

tpo.adelaidems.com — bookmark it

3

Find Your Account Executive

adelaidems.com/find-your-ae — introduce yourself and share a scenario

4

Download Your Resources

Program matrices, submission checklist, and rate sheets at adelaidems.com/resources

Phone

833.525.7065

Mon–Fri | 9AM–5PM CST

Email

sales@adelaidems.com

Scenarios & broker support

Website

adelaidems.com

Programs, rates, resources

Portal

tpo.adelaidems.com

Loan pipeline & submission

🤝

At AMS, every borrower deserves a path to financing — and every partner deserves a lender they can rely on.

Your Non-QM Partner,Built for Broker Success.

About AdelaideMortgage Solutions

⚡ Fast Turn Times

🤝 Dedicated AE

📋 Common-Sense UW

💰 Competitive Pricing

🏠 Broad Properties

📁 Streamlined Portal

Non-QM LoanPrograms

Bank Statement

1099 Reduced Doc

Profit & Loss

Asset Utilization

Asset Depletion

WVOE

Rental Income

The AMS Broker Portal

Click "Start Loan"

Choose Your Upload Method

Designate Loan Purpose

Complete Originator Info

Import Credit & Accept Findings

Select Product & Get Pricing

Choose Your Rate

Register the Loan

Loan Submission &Required Documents

Apply to Become a Partner

Log Into the Broker Portal

Find Your Account Executive

Download Your Resources

Your Non-QM Partner,
Built for Broker Success.

About Adelaide
Mortgage Solutions

Non-QM Loan
Programs

Loan Submission &
Required Documents