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Lenders We Offer

Wholesale Lender Network Profile Pages including additional information on their product loan programs and service. Connect a Loan Officer (800) 718-8906. Text: 858-222-7534

Archives: Lenders We Offer A list of the Nations Top Hard Money Lenders and Loan Programs:

Fountain Mortgage

Flexible second mortgage programs from Fountain Mortgage: Alt Doc, 1099 Only, Bank Statement, and P&L Only options with CLTVs up to 90%.

Kind Lending

Lender Niche Second Mortgage Loan program Update: Closed End Second Mortgage / HELOCS Updates to the Flex HELOC & CES programs 25 year Closed End 2nd (CES) has been removed from offerings. As of 4/14/2025, the program will no longer be available for new locks. Credit History – collection and/or

Plaza Home Mortgage

Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with a business that operates with a lower expense factor

GreenBox

Fix and Flip’sGround Up Construction ITIN Programs to 95% LTV ITIN No Credit Score and No Visa Required TermsHELOCsFixed Rate closed end Eligible Property TypesSFRCondominium (reduce LTV 5%)1-4 Unit Construction Eligible Occupancies Owner-OccupiedNon-Owner-Occupied

Logan Wholesale

Experience Exceptional Non-QM Service with Logan At Logan, customer service isn’t just a department, it’s our commitment to you. With 75 years of experience, we pride ourselves on delivering personalized support and expert guidance every step of the way. When you choose Logan, you’re not just a client; you’re family.

AmWest Funding

Amwest Funding is a top 22% Non-QM mortgage lender in the United States.

Capital Alliance

Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime N/O/O Business Purpose Bridge Loans Business Purpose (O/O or N/O/O) Renovation or Fix & Flip (N/O/O) Mortgage Pre-Qualification Form – No Credit Check

Solve Mortgage

Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite you to explore our flexible guidelines and determine if they align with your requirements. Alt Doc (12 months): One Year W2’S or One Year Tax

Change Wholesale

Change Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Community Mortgage Alt Doc Investor Closed End 2nd Mortgage Program Mortgage Pre-Qualification Form – No Credit Check

Clear Edge Lending

ClearEdge Lending is a wholesale lender specializing in Non-QM (non-qualified mortgage) products, known for both originating and securitizing loans as a true end-investor since 2015. They stand out with an extensive and innovative program portfolio—ranging from bank statement loans and DSCR to asset depletion, ITIN, and their unique Flex Connect

ACC Mortgage

Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.

Fund Loans

FundLoans offers three DSCR mortgage programs designed for real estate investors, allowing qualification based solely on property cash flow. Unlike traditional loans, these programs don’t require full income documentation, making it easier to purchase or refinance non-owner-occupied properties. As a DSCR mortgage lender, FundLoans provides flexible financing solutions tailored to

Brokers First Funding

Brokers First Funding Offers the Following Loan Programs 1099 Only Loans (non-QM) Our portfolio 1099-only loan program is designed for self-employed borrowers, requiring just one or two 1099 forms plus a pay stub or bank statement showing year-to-date earnings. This program simplifies the qualification process with a low assumed business

AXOS Bank Home Loans

AXOS Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Looking for a portfolio mortgage lender? Our bridge and cross-collateral solutions are designed to help borrowers purchase new properties before selling their current ones, offering flexibility and ease during transitions.

Arc Home Loans

Arc Home Loans Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Access & Edge Access Clean Slate Access & Edge DSCR Access & Edge Alt Income ~ Mortgage Pre-Qualification Form – No Credit Check Foreign National Qualified Mortgages: Elite

Angel Oak Mortgage Solutions

Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank Statement HELOC Closed-End Second Mortgage Mortgage Pre-Qualification Form – No Credit Check ~ DSCR Loan 1099 Income Loan Asset Qualifier Foreign National ITIN Mortgage Loan

Ameris Bank

Ameris Offers the Following Loan Programs. Check back often as we are always updating our lender and loan program information. Gold Portfolio Arm Loans Portfolio Bank Statement Advantage programs Non-Warrantable Condo programs Guidelines unavailable. Check back for additional information. Mortgage Pre-Qualification Form – No Credit Check

Loan Stream

Loan Stream Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Closed End Seconds Jumbo One Jumbo One Advantage Jumbo One Premier Jumbo One Select MaxOne MaxOne Plus MaxOne Home Assist HELOC One Business Purpose Lending UpgradeOne DSCR 5-8

N-QM Funding

N-QM Funding Offers the Following Loan Programs As a leading prime jumbo mortgage lender, our Flex Supreme loan program offers competitive rates for highly qualified borrowers with strong credit, stable employment, and a solid financial history.Whether you’re looking to purchase, refinance, or cash out (up to $1M), this program provides

Oaktree Funding

Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your Premier Non-Qualified Mortgage Lender Titanium Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage Platinum Advantage Full Stack Mortgage Pre-Qualification Form – No Credit Check

Jet Mortgage

“Your Expert Non-Qualified Mortgage Lender” Non-QM Non-QM Seconds Business Purpose Lending DPA, DPA Plus & DPA Deluxe Jumbo Loans * Mortgage Pre-Qualification Form – No Credit Check At JET Advantage, we specializes in a wide range of Non-QM loan programs designed to meet your unique financial needs. Whether you’re self-employed

BluePoint Mortgage

BluePoint Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Closed-end Second Mortgage DSCR Programs Titanium DSCR Matrix Platinum DSCR Gold DSCR Silver DSCR Bluexpanded DSCR Full Doc Non-QM Bank Statement Loan 1099 Only Loan P&L Only Loan Asset

Acra Lending

Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor Cash Flow / DSCR (investor) ITIN (investor) Non-QM Niche (Non-QM/investor) Jumbo Non-QM (Non-QM Portfolio) ATR-In-Full (investor) Business Purpose Condotel Interest Only 1099 Only P&L (Profit

5th Street Capital

Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.

Advancial Mortgage

With competitive loan programs, fast pre-approvals, and expert guidance, Advancial Wholesale simplifies the lending process for brokers and their clients. Our diverse offerings include high loan amounts, flexible credit requirements, and specialized financing for expatriates, foreign nationals, and self-employed borrowers. Partner with us for innovative solutions and a seamless lending

Carrington Wholesale

Carrington Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Prime Advantage (portfolio) Flexible Advantage Plus (non-QM) Flexible Advantage (Non-Prime) Investor Advantage (business purpose) Closed End Second Mortgage (stand-alone second mortgage) We continue to aggressively price conventional, high balance,

AD Mortgage

AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet debt service coverage ratio (DSCR) requirements, this program offers a