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Advancial Mortgage

Established in 1937, Advancial has grown into a trusted name in portfolio and non QM wholesale lending, recognized for its unwavering stability and reliability, and commitment to exceptional broker 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.

Jumbo Financing up tp $5,000,000

Advancial offers nationwide lending, providing financing solutions in all 50 States and Washington DC, with loan amounts to 5 million. We accept a wide range of property types including single family residences, one to four 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 $2,000,000 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. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

non warrantable condos and condotels

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.

asset depletion

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 solutions, including asset depletion, investment income, and trust based earnings period we understand that traditional income verification may not always apply, which is why we offer flexible solutions designed 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.

expatriate visa program

Our expatriate loan program offers tailored solutions for professionals with little to no US credit who are either relocating to the US 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 home buying 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 US 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.

Advancial Mortgage Offers the Following Loan Programs

Check back often as we are always updating our lender and loan program information.

Jumbo Financing up to $5MM
Jumbo Loans
Non-Warrantable Condos and Condotels
Asset Depletion
Expatriate Visa Program
Co-Ops
Investment Properties
Foreign National
All specialty programs

Jumbo Loans

Mortgage Pre-Qualification Form – No Credit Check

Lender Niches

Flexible Loan Amounts and Unique Property Solutions

* Loans from $250,000 to $6,000,000 with no pre-payment penalty

* Only one appraisal required up to $4,000,000 loan amount

* Financing for unique properties: acreage homes, hobby farms, vineyards (no cap on land size or home-to-land ratio)

* Mixed-use properties and unique homes qualify under residential pricing

* Eligible for homes with multiple ADUs (Auxiliary Dwelling Units), manufactured units, and distinctive outbuildings

Flexible Borrower and Portfolio Lender Options

* Non-warrantable condos up to 80% LTV (all non-warrantable reasons accepted except major construction litigation)

* Condotels in all 50 states up to 75% LTV

* No U.S. credit or credit score required for Work Visas, Student Visas, EAD Cards, DACA OPT/CPT (up to 80% LTV)

* Borrowers with limited or no credit eligible for all programs and property types, including cash-out

* Foreign National program available

* Non-occupant co-borrowers allowed; blended income and asset depletion accepted

* IRA funds can be used for non-retirees as part of asset depletion

Cash-Out Flexibility and Income Solutions

* No-seasoning cash-out available for primary, second home, and investment properties

* Unlimited cash-in-hand allowed (even for homes listed for sale) with FICO scores as low as 560 or no credit score

* Cash-out proceeds can be used as qualifying income (alternative to reverse mortgage)

* Alimony and child support can be deducted from income instead of treated as a liability

* Gifted down payment, gift of equity, and gifted reserves accepted — including for investment properties

Last Updated on 2 weeks ago by Broker Mortgages

Alternative Income Documentation

Contact a Loan Officer

Established in 1937, Advancial has grown into a trusted name in portfolio and non QM wholesale lending, recognized for its unwavering stability and reliability, and commitment to exceptional broker 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.

Jumbo Financing up tp $5,000,000

Advancial offers nationwide lending, providing financing solutions in all 50 States and Washington DC, with loan amounts to 5 million. We accept a wide range of property types including single family residences, one to four 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 $2,000,000 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. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

non warrantable condos and condotels

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.

asset depletion

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 solutions, including asset depletion, investment income, and trust based earnings period we understand that traditional income verification may not always apply, which is why we offer flexible solutions designed 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.

expatriate visa program

Our expatriate loan program offers tailored solutions for professionals with little to no US credit who are either relocating to the US 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 home buying 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 US 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.

Alternative Income Documentation

Contact a Loan Officer