Unconventional Mortgages and Loans - A Wealth of Information and Service
Contact a Loan Officer: (800) 718-8906
Contact a Loan Officer: (800) 718-8906
Conventional mortgages and unconventional mortgages and wholesale lenders, we provide real estate financing to homebuyers, homeowners and real estate investors in 48 states. We work with borrowers seeking practical mortgage solutions through a network of qualified and vetted mortgage brokers across the United States.
This mortgage website is unique in that there are no interest rates, just mortgage information in the area of loan programs and wholesale mortgage lenders.
Get started now by consulting with a state-licensed loan officer without incurring an check check soft inquiry or hard inquiry: Mortgage Pre-Qualification Form – No Credit Check.
Unconventional mortgages include a broad range of loan programs for borrowers whose financing needs fall outside standard agency guidelines. Rather than focusing on advertised interest rates this website is designed to provide information about available mortgage programs qualification methods and wholesale lending options.
Programs may include QM (qualified agency lenders with minimal or no underwriter guideline overlays) Non-QM loans, Near-Prime and Non-Prime Mortgages, Foreign National loans, investor mortgages, Private Money options, Hard Money loans, and other specialty programs for purchase, refinance, cash-out refinance, second mortgages, and construction loans.
The goal is to give borrowers a broader view of what may be available through the mortgage broker and wholesale lending market, where underwriting guidelines and program options can vary considerably from one lender to another.
These programs provide alternative ways to evaluate self-employed borrowers, investors, and other borrowers whose financial profiles may not fit traditional mortgage underwriting.
Alternative documentation loans are designed for borrowers whose income or ability to repay may be better evaluated using common sense methods and real world income documentation.
Depending on the program, qualifying income (Lite Doc, Alt Doc) and employment (Reduced Doc) documentation may include personal or business bank statements , asset utilization, 1099-Only, P&L-Only, as well as Stated Income/Stated Assets (SISA) and Stated Income/Verified Assets (SIVA), for consumer purpose loans, as well as No Doc, No Ratio, DSCR (Debt Service Coverage Ratio), etc. for business purpose loans,
These programs provide alternative ways to evaluate self-employed borrowers, investors, and other borrowers whose financial profiles may not fit traditional mortgage underwriting.
Backed by the integrity of more than 200 of the best wholesale lenders, each offering their own unique line of wholesale loan programs. Our advantage extends far beyond lender count.
These long-standing, day-to-day business relationships create opportunities. Lenders want brokers business and work hard to earn it.
We work directly with underwriters (directly or indirectly) Account Executives (lender reps) backed by broker support teams (loan scenario desk) whose job function is to assist the loan officer (loan structure, anticipated approval conditions, guideline exceptions) in identing ways to approve a loan, not finding reasons to decline a loan. The common goal is simple and always the same: the best conditional loan approval at the best possible interest rates.
This mortgage website is different from most mortgage websites because it is not built around advertising interest rates or pushing a limited set of loan products. Instead, the focus is on helping consumers understand the wide range of mortgage programs and wholesale lending options that may be available through the broker channel. The goal is to provide a broader, bird’s-eye view of the mortgage market beyond the conventional loan choices most borrowers are familiar with. That includes alternative documentation, Non-QM, investor, jumbo, bank statement, asset-based, credit-challenged, and other specialized financing programs. Because mortgage brokers work with multiple wholesale lenders, available options can vary significantly from one lender to another. This website is designed to help explain those differences and show how much flexibility can exist outside traditional agency lending. Rather than focusing on pricing, the emphasis is on program guidelines, borrower eligibility, documentation options, property types, loan structures, and unique lending niches. In many ways, it is a look behind the curtain at the wholesale mortgage world and the different ways a loan can be structured to fit a particular borrower or scenario.
Whether your financing needs are straightforward or highly complex, our extensive wholesale lending network gives us the flexibility to match borrowers with financing solutions that align with their financial objectives, property type, income profile, and long-term goals.