Tap into 28+ years of Non-QM leadership, lightning-fast turn times, and a partnership-first culture dedicated to helping brokers win every complex scenario.
Four pillars drive every broker relationship: deep Non-QM expertise, true partnership, relentless speed, and a broad product shelf that keeps your pipeline funded.
Full suite of bank statement, P&L, asset depletion, and ITIN options structured by true Non-QM underwriters.
Scenario desk responses in hours, disclosures in 24, underwriting in 48, and consistent 21-day CTCs.
Direct access to Jonathan Guida and our leadership team for structuring, escalations, and co-marketing.
Non-QM, DSCR, FHA, VA, Conventional, and Reverse options so you never send a borrower elsewhere.
Choose the product that fits your borrower and lean on our Non-QM veterans to structure the win.
| Program | Highlights | Best For |
|---|---|---|
| Non-QM | Bank statements, P&L, asset depletion, ITIN, 1099, jumbo to $3M | Self-employed & complex income |
| DSCR | 0.75 DSCR options, STR friendly, LLC eligible, 1-8 units | Investors & portfolio growth |
| FHA | 3.5% down, manual underwrites, credit scores to 580 | First-time buyers |
| VA | 0% down, no PMI, IRRRL streamline | Veterans & active duty |
| Conventional | Fannie/Freddie, high-balance, DU/LP flexibilities | Agency-eligible borrowers |
| Reverse | HECM & proprietary options, 62+ | Equity-rich seniors |
Integrated systems, responsive humans, and a proactive scenario desk keep your submissions clean and your closings predictable.
Upload, lock, price, and track loans in one intuitive portal with milestone notifications at every step.
Seamless flows with Encompass, LendingQB, and Arrive ensure data accuracy and reduce rework.
Speak directly with senior Non-QM strategists for income calcs, guidelines, and structure approvals.
Weekly product webinars, white-labeled assets, and onsite visits to activate your sales teams.
Direct leadership access means you onboard quickly, stay compliant, and originate with confidence.
Alignment on your market, goals, and current Non-QM mix with Jonathan and our TPO director.
Submit credentials, complete compliance package, and receive portal credentials within 48 hours.
Live portal walkthrough, guideline deep dive, and marketing assets tailored to your audience.
Dedicated team stands by with priority scenario desk access, pricing, and structuring help.
Published turn times backed by accountable teams, not wishful thinking.
Disclosures & disclosures review
Full underwriting with Non-QM specialists
Clear to Close for well-prepped files
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