A Wealth of Information, Service, and Resource

We are a progressive network of Loan Officers and residential mortgage lending professionals working directly with borrowers to originate, process and close mortgage loans.

Mortgage Brokers, Loan Officers, Portfolio Lenders, Non-Qualified Lenders (Non-QM), Banks, Wholesale Lenders (Agency and Non-Agency) and Correspondent Lenders "Investors", Hard Money Lenders, Soft Money Lenders, Private Money Lenders, Wholesale Lender Representatives, Credit Unions, etc. Various mortgage lending institutions specializing in unconventional mortgage loans; loan officers that have more to offer than "agency product" working above and beyond Fannie Mae, Freddie Mac, Ginnie Mae, Freddie Mac, FHA, and VA government loan programs.

We do work with Agency lenders, too, specifically the ones that have minimal guideline "overlays", down to a 520 credit score.

We offer alternative real estate financing, conventional to unconventional and most everything in between.

We are about home loan options and lender resources. Creditworthy borrowers should be able to purchase or refinance their home. We are about exceptional service, diligence, and results.

Alternative Home Loans

Home loan options and lender resources - Non-QM, Non-Prime, Portfolio, Foreign National, Investor loans.

Unconventional Mortgages

Prime, Non-Prime, Qualified Mortgages and Non-Qualified mortgages, Alt Doc loans, Non-QM programs, non-conforming, non-agency including "a-paper" fall-out, High Balance alt-doc, "ALT-QM" loans,  alternative-equity-financing, Investor loans (investment management company funds), private equity loans, and various income documentation options. Such as Bank Statement Loans, Asset Depletion Loans, Asset Utilization, equity-based lending, asset-based lending, liquid asset-based lending, security-based mortgages, self-employed home loans, subprime loans, Stated Income Verified Assets home loans, home equity loans, foreclosure loans, business and personal (cash-flow centric) bank statement loans, investment property loansjumbo loanssuper jumbo loansall programs. We handle conventional to unconventional and everything in between.

Business Purpose Loans - A type of owner-occupied/primary residence stated income program. Cash Out refinance for the purpose of business expansion, of any kind.

We can pre-qualify your loan scenario, i.e. max loan amount/LTV; credit scores; reserves; credit depth & seasoning (derogatory and non-derogatory), property types, occupancy types, income documentation solutions, employment verification documentation solutions, title vesting, before checking your credit report.

Unconventional Mortgage Lenders

Non-Qualified Home Loans

Alternative real estate financing in large part is about Non-QM mortgage lending These types of mortgages are performing well in the marketplace which means more product and fewer conditions.

Self-Employed Borrowers

Worthy borrowers deserve to purchase real estate or refinance a property. Self-employed borrowers should be given a chance to obtain a good mortgage loan without being required to produce tax returns, etc. If you are a Self-Employed borrower and you're being asked to provide your tax return's or sign a 4506-T form, how can you expect to qualify?

Solutions-Based Mortgage Lending

We handle "a" paper fallout. "Non-Agency", "Just Missed", "Expanded", "Elite", Qualified Mortgages (QM). We have access to additional lending resources, unconventional loan programs as well as niche loan programs. We offer Non-Agency real estate loans, Non-Prime loans, Non-QM loans, non-conventional home loans, Alt-A loans, private equity loans, hard money loans, private money loans, and Small Business Loans. These are cutting-edge, industry-leading lenders and loan programs.

Since 2001, we have provided a noteworthy insight into the mortgage broker industry. We feel that our innovative and noteworthy product knowledge and superior lender resource speaks to the quality of service we provide as well as the relationships we have cultivated. We understand that every consumer can be different and make it our goal to match you with the lender that meets your specific requirements at the best possible rate, terms, and conditions. We understand that it can sometimes be difficult for a consumer to find the right lending options to fit their individual needs. Not everyone is going to fit in the same box

When needed, we look for compensating factors in every area within a borrower's credit profile including credit, income, employment, assets, seasoning, etc. Such as seasoned cash reserves; a low loan-to-value (LTV) ratio; credit depth; payment history; smart utilization of credit card and revolving accounts; employment history (same line of work/profession); disposable income; seasoned homeowner; low debt-to-income (DTI) ratio; residual income; down payment; long-term employment (same job) seasoned business owner with a history of consistent income/cash-flow to achieve favorable results in the areas of not just getting approved for a mortgage but approved for the right mortgage.

Potential Compensating Factors (approval, pricing, terms, conditions)

  • Credit history: Depth, tradeline seasoning, credit utilization, re-established credit, credit scores.
  • Income: Consistent Cash-Flow, residual, pension, dividends, trust fund, disposable, Debt-to-Income ratio (DTI)
  • Employment: History, seasoning, advanced college degree, business certifications
  • Seasoned liquid assets: cash reserves
  • Credit Profile: over-all seasoning: credit, employment, retirement account(s) assets accounts; liquid and real estate equity positions (portfolio), home ownership, business ownership/Industry experience
  • Credit Score > 20 points above required credit score
  • DTI below guideline maximum by 5% or greater
  • Reduction in principle and interest housing payment by 5% or greater
  • Housing payment (PITIA) reserves > 12 months
  • 10% or greater increase in disposable income
  • Etc.

Non-Qualified Mortgages and Alternative Income Documentation

Alternative lending: mortgage loan programs; guidelines; matrices; credit score requirements, the maximum percentage of financing, maximum loan amounts, property types, occupancies, seasoning requirements, liquid reserve requirements, underwriting notes and so forth. After we acquire a new loan program, we post it to this website, select directories and social media websites to inform the consumer market as well as individuals like yourself to know what is currently available in the marketplace in an ever-evolving industry. We do update our information as loan program come and go and guidelines are always being updated.

We are an information resource like no other. Our unprecedented and unique business model provides an uncommon approach to the mortgage lending industry with our remarkable style of transparency to the uncommon information we provide into the niche broker world of mortgages. We share unique individual loan program guidelines and highlights for some of the most progressive and leading-edge lenders.

It is our priority to make the process of a mortgage loan as simple and quick as possible. We understand that it can sometimes be frustrating for a worthy borrower to find the right mortgage loan to fit their needs. We understand that each consumer can be different and far more than just a credit score; whether it is very high, which is often the case or very low, there are many factors when it comes to qualifying for a mortgage. We feel that the amount of product and resource we have and have worked very hard for is synonymous with the level of service that we provide, day in, day out, file in, file closed. We can take pride in being an authority in this space within the financial community. In the spirit of competition, our overall objective is to inform the consumer and create transparency. BrokerMortgages Blog.