Contact a Qualified Loan Officer (800) 718-8906
We are a direct-to-consumer network of NMLS licensed mortgage brokers and loan officers.
Receive answers to your questions with the potential option to apply for a mortgage with a vetted and local Loan Officer/ Mortgage Broker. Connect with a live qualified Loan Officer.
It could be the only thing holding you back from your preferred mortgage is an unqualified loan officer. Simple: Product, service, closed loans, and happy borrowers from across 48 states.
We offer real mortgage finance solutions to a wider market with a wide variety of loan programs, lenders, and lender resources, We excel in all credit ratings and credit profiles, A+ to Z.
Get Prequalified For Your Next Mortgage – Credit Check Not Required
Our Mission Statement is super simple and is based on customer service. To provide exceptional mortgage origination service to borrowers from every walk of life.
Innovative and industry leading lenders and loan products. We offer Prime Mortgages, Non-Prime Mortgages, Portfolio Mortgages, Foreign National Mortgages, and Investor Mortgages.
We have more to offer than the standard conforming “agency” Government-Sponsored Enterprise, (GSE): Federal National Mortgage Administration, aka, Fannie Mae (FNMA), Federal Home Loan Mortgage Corporation, aka Freddie Mac (FHLMC), Government National Mortgage Association, aka Ginnie Mae (GNMA), and the Federal Housing Administration, aka FHA, and Veterans Affairs, aka VA.
Our lender network is made up of over 150 wholesale lenders and hundreds of years of combined experience in mortgage origination.
Our network of unconventional mortgage lenders is made up of wholesale lender Account Executives (wholesale lender representatives), Broker Service Representatives (BSR), Pre-underwrite Teams, Loan Scenario “Help Desk” Teams, Account Managers, Conditions Managers, Underwriters, and all of the industry resource, service, and incentives that comes with our long standing broker/lender relationships, a network we have cultivated since 2001 serves to benefit you, the borrower.
Qualified Mortgages are considered conventional and Non-Qualified mortgages “Non QM” are considered unconventional mainly because of the flexible underwriter guidelines such as DTI >43%, 40-year terms, and Interest-Only terms, to name a few.
Non-QM alternative documentation loan program are very popular with self-employed borrowers and they include No Doc programs, No Ratio programs, Lite Doc, Reduced Doc, SIVA, SISA, and Business Purpose mortgage loans, cross-collateral loan programs, investment property loans, Jumbo Mortgages and Super Jumbo mortgages, Cross Collateral Mortgages, Bridge Loans, Investment Property Loans, Jumbo Mortgages, and various income and employment documentation solutions that do not require tax returns and also do not require IRS Form 4506-T or Form 4506-C.
Alternative mortgage lenders provide innovative real estate financing solutions beyond traditional banking institutions. These lenders cater to borrowers with unique financial circumstances. They allow us to be able to provide a personal approach to meet the diverse needs of an everyday borrower. Our lenders empower individuals to realize their dream of homeownership.
Solution-based lending includes having Alt Doc programs, non-conforming, non-agency, High Balance Portfolio, Asset Depletion, “Alt A”, investor loans, private money, home equity lines of credit (QM and Non-QM), foreclosure bail-out, hard money, Cross-Collateralization loans, Bridge Loans, Investment Property Loans, Jumbo and Super Purchase Mortgages, Jumbo and Super Jumbo Refinance Programs, and various other income and employment documentation loan programs that do not require tax returns, and also do not require IRS Form 4506-C.
Debt Service Coverage Ratio, aka DSCR loans, and Real Estate Investor Bank Statement Loans are designed specifically for Real Estate Investors. DSCR loans focus on the cash flow of a rental property, making them ideal for investors. DSCR loan lenders evaluate the property’s income to ensure it can cover the debt, offering a streamlined path for real estate investors to expand their portfolio. Real Estate Investors seeking financing options can benefit from DSCR loans and Real Estate Investor Bank Statement Loans, both tailored specifically for their unique needs.