Unconventional Mortgages and Loans | A Wealth of Information and Service
Speak to a Live Loan Officer: (800) 718-8906
Speak to a Live Loan Officer: (800) 718-8906
Conventional mortgage lenders and loans to 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.
Our network represents hundreds of years of collective mortgage origination and loan officer experience, offering both consumer-purpose and business-purpose financing solutions for residential and commercial properties throughout the United States.
Whether it be a matter of rate shopping or a complex scenario, we are here to serve you. Submit a quick form for loan scenario prequalification without pulling your credit and a state-licensed Mortgage Loan Originator (loan officer) will be in touch with you either over the phone (800)-718-8906 or via email loanscenariodesk@brokermortgages.com to go over potential options and to provide proper expectations.
Get started now to get a practical head start and one important step closer to your closing date of your next mortgage.
Unconventional mortgages include a broad range of loan programs designed for borrowers whose financing needs fall outside standard agency guidelines.
This can include 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.
Leverage our long term lender relationships for your next mortgage.
Backed by the integrity of more than 200 of the best wholesale Qualified and Non-Qualified Mortgage lenders, each offering their own unique line of wholesale loan programs, we deliver access to one of the industry’s broadest selections of Qualified (QM) and Non-Qualified (Non-QM) mortgage programs.
Our advantage extends far beyond lender count. Every day, we work directly with wholesale Account Executives, underwriters, broker support teams, pricing specialists, closing departments, title and escrow professionals, and real estate attorneys to move loans from pre-qualification to funding as efficiently as possible.
These long-standing business relationships create opportunities that many borrowers never see. From identifying the right loan program and anticipating underwriting conditions to requesting guideline exceptions, resolving documentation issues, improved pricing, and structuring difficult transactions, our focus is always the same: finding a way to get the loan approved—not finding reasons to decline it.
Alternative documentation loans are mortgage programs designed for borrowers whose income is better evaluated through alternative qualifying methods rather than traditional tax return analysis.
Qualifying for our self-employed income and employment loan options may include personal or business bank account statements, debt service coverage ratio (DSCR), 1099-Only income, asset utilization, profit and loss statement only “P&L-Only”, as well as No Doc, No Ratio, Stated Income (SISA and SIVA), etc.
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.
One advantage of working through a mortgage broker is access to a broader range of loan products, pricing, underwriting approaches, and personal service that extends to you, the borrower.
Our business-to-business relationships ultimately benefit you, the borrower. They provide broader lending options, more competitive pricing, greater underwriting flexibility, faster communication, and access to financing solutions that aren’t available through a single bank or retail lender.
Government-Sponsored Enterprise (GSE), and agency lenders offer a limited range of conforming loan programs through entities such as Fannie Mae, the Federal National Mortgage Association (FNMA); Ginnie Mae, the Government National Mortgage Association (GNMA); Freddie Mac, the Federal Home Loan Mortgage Corporation (FHLMC); the Federal Housing Administration (FHA); and the United States Department of Veterans Affairs (VA). These programs follow strict underwriting guidelines, which can make it difficult for some borrowers to qualify for traditional mortgage financing.
Before moving forward with a full application, use our pre-qualification process to review your loan scenario, documentation profile, and available program options. This helps establish realistic expectations regarding product eligibility, pricing, loan structure, and approval considerations before incurring a credit inquiry.