Loan Programs for Wholesale Brokers and Non-Delegated Correspondents

Non-QM Loan Programs

Designed for borrowers who don't fit traditional lending criteria. Our Non-QM programs offer alternative documentation methods and flexible underwriting to help self-employed borrowers, investors, and unique financial situations qualify.

Key Features:

• Bank statement programs (12 or 24 months) for self-employed borrowers.
• Asset depletion and DSCR (Debt Service Coverage Ratio) options available.
• Flexible credit requirements and higher DTI ratios accepted.
• Purchase and refinance options for primary, second homes, and investment properties.
• Foreign national programs and interest-only payment options available.

Expand your lending capabilities with Non-QM solutions that work for borrowers traditional lenders can't serve.

Conventional Loan Programs

Traditional financing backed by Fannie Mae and Freddie Mac. Perfect for borrowers with strong credit profiles seeking competitive rates and terms for primary residences, second homes, and investment properties.

Key Features:

• Conforming loan limits up to $766,550 (higher in designated high-cost areas).
• Down payments as low as 3% for qualified first-time homebuyers.
• Fixed-rate and adjustable-rate mortgage (ARM) options available.
• Competitive rates with PMI cancellation options when reaching 20% equity.
• Standard documentation and automated underwriting approval process.

Rely on the stability and competitive pricing of conventional loans for borrowers with solid credit and income documentation.

FHA Loan Programs

Government-insured mortgages designed to help first-time buyers and borrowers with lower credit scores achieve homeownership. FHA loans offer low down payments and flexible qualifying requirements.

Key Features:

• Down payments as low as 3.5% for qualified borrowers.
• Credit scores as low as 580 accepted (with 3.5% down).
• Gift funds and down payment assistance programs allowed.
• Higher debt-to-income ratios permitted than conventional loans.
• Assumable mortgages allow future buyers to take over the loan.

Open the door to homeownership for more borrowers with FHA's flexible lending guidelines and accessible qualification requirements.

VA Loan Programs

Exclusive benefits for active-duty service members, veterans, and eligible surviving spouses. VA loans offer 100% financing with no down payment, no PMI, and competitive interest rates as a thank you for military service.

Key Features:

• 0% down payment required—100% financing available.
• No private mortgage insurance (PMI) required at any LTV.
• Competitive interest rates typically lower than conventional loans.
• Seller concessions up to 4% of the purchase price allowed.
• Flexible credit and income requirements with manual underwriting options.

Honor military service by helping veterans and active-duty members access homeownership with VA's unmatched benefits.

USDA Loan Program

Fuel investment opportunities with hard money solutions designed for speed, flexibility, and property-focused underwriting.

Key Features:

• Income limits apply based on household size and location.
• Property must be in USDA-designated rural or suburban area.

Buy Before You Sell Programs

Bridge the gap between selling your current home and purchasing a new one. Our buy-before-you-sell solutions provide temporary financing or equity access, allowing borrowers to make non-contingent offers and move on their timeline.

Key Features:

• Short-term bridge loans to access equity from current home before sale.
• Make competitive non-contingent offers on your dream home.
• Avoid the stress of timing your sale with your purchase.
• Flexible repayment terms aligned with your home sale timeline.
• Typically pays off automatically when your existing home sells.

Empower clients to move on their own schedule without the constraint of simultaneous closings or temporary housing.

Jumbo Loan Programs

Financing for luxury properties and high-value homes that exceed conforming loan limits. Our jumbo loan programs offer competitive rates and flexible terms for affluent borrowers purchasing or refinancing high-end real estate.

Key Features:

• Loan amounts above conforming limits (over $766,550).
• Competitive rates for luxury property financing.
• Fixed and adjustable-rate options with various terms.
• Typically requires higher credit scores (700+) and larger reserves.
• Available for primary residences, second homes, and investment properties.

Serve high-net-worth clients with jumbo financing that matches the prestige and value of their real estate investments.

Hard Money for Investors

Asset-based lending for real estate investors who need quick financing for fix-and-flip projects, rental properties, or bridge scenarios. Hard money loans prioritize property value over borrower credit, enabling fast closings and flexible terms.

Key Features:

• Fast approvals and closings—often within days, not weeks.
• Underwriting based primarily on property value and after-repair value (ARV).
• Short-term financing ideal for fix-and-flip, ground-up construction, or bridge loans.
• Minimal documentation and flexible credit requirements.
• Competitive rates and points for experienced real estate investors.

Fuel investment opportunities with hard money solutions designed for speed, flexibility, and property-focused underwriting.