Established in 1937, Advancial has grown into a trusted name in Portfolio and Non-QM wholesale lending, recognized for its unwavering stability, reliability, and commitment to exceptional customer service. Advancial Wholesale specialize in tailored mortgage solutions for unique and complex loan situations. Whether you’re financing a primary residence, second home, or investment property, our team is ready to assist with flexible lending options designed to fit your needs.
Advancial offers nationwide lending, providing financing solutions in all 50 states and Washington, D.C., with loan amounts up to $5 million. We accept a wide range of property types, including single-family residences, 1–4 unit homes, non-warrantable condos, condotels, co-ops, acreage, hobby farms, second homes, and non-owner-occupied properties. Borrowers can secure up to 80% LTV on loans up to $2.5 million and up to 90% CLTV on loans up to $2 million on a case-by-case basis. Non-occupant co-borrowers are also eligible, with a maximum 75% LTV, including cash-out refinances.
We provide flexible financing options, including cash-out refinancing up to $5 million with unlimited cash in hand and no seasoning requirements for any property type. Our programs accommodate work visa holders, expatriates, immigrants, and foreign nationals, ensuring access to mortgage solutions regardless of residency status. Asset depletion is also an option for qualifying borrowers.
Financing non-warrantable condos and condotels comes with unique challenges, but Advancial provides tailored solutions to simplify the process. With flexible loan options and a deep understanding of complex property types, we help borrowers secure financing that traditional lenders may not offer.
Our team of seasoned mortgage professionals is committed to delivering a smooth and efficient lending experience. We work closely with you to navigate the nuances of these specialized properties, ensuring your clients receive the best financing options available while making the transaction as seamless as possible.
High-net-worth borrowers often have complex financial profiles that require a tailored approach beyond traditional underwriting. Whether it’s structuring income from diverse assets or navigating unique financial scenarios, our experienced team provides customized solutions to meet their needs. With a commitment to precision and efficiency, we ensure a seamless lending experience from start to finish.
Our expertise extends to handling intricate financial situations, including asset depletion, investment income, and trust-based earnings. We understand that traditional income verification may not always apply, which is why we offer flexible solutions designed for high-net-worth individuals. With personalized service and a deep understanding of complex lending, we help streamline the process, ensuring a smooth and successful transaction.
Our Expatriate Loan Program offers tailored solutions for professionals with little to no U.S. credit who are either relocating to the U.S. or currently residing here with a valid work visa or employment authorization. We provide fast pre-approvals and streamlined processing to simplify the loan journey, ensuring a smooth homebuying experience. Partner with Advancial to deliver exceptional service and build long-term client relationships.
This program requires only an offer letter for pre-approval and does not require U.S. credit history. Eligible borrowers can secure financing with up to 80% LTV as new immigrants or up to 70% LTV for U.S. citizens purchasing a second home while living abroad. Loan amounts go up to $5 million, offering flexible solutions for diverse financial needs.
