A Wealth of Information and Resource

We are a progressive network of mortgage brokers specializing in unconventional mortgage loans. Unconventional mortgage lenders: Wholesale lenders, correspondent lenders, lender representatives, banks, credit unions, investors (investor pools), private money lenders, lending institutions and loan officers that have more to offer than conforming loansFannie Mae, Freddie Mac, VA, FHA, government, and agency loan programs. We offer alternative real estate financing, conventional to unconventional and most everything in between. We are about home loan options and lender resources. Worthy borrowers deserve to purchase or refinance their home. We are about exceptional service, diligence, and results. Our network of business professionals is built on structure, sophistication, and service.

Unconventional Mortgage Lenders

Alternative Home Loans

Unconventional mortgages: Private equity loans, private money, Non-Prime Lenders, Alt Doc loans, Non-QM, non-conforming, ALTQM Loans, Asset Depletion Loans, alternative-equity-financing, Investor loans, Business Purpose Loans (a type of stated income) and various income documentation optionsBank Statement Loans, equity-based lending, Asset Based lending, liquid asset-based lending, security-based mortgages, self-employed home loans, subprime loans, Stated Income home loans, home equity loans, foreclosure loans, business and personal (cash-flow centric) bank statement loans, investment property loansjumbo loanssuper jumbo loansall programs.

We will pre-qualify your loan scenario before checking your credit report.

Solutions-Based

We handle A-paper fallout. "Non-Agency", "Just Missed", "Expanded", "Elite". We have access to additional lending resources, unconventional loan programs as well as niche loan programs. We offer Non-Agency real estate loans, Non-Prime loans, Non-QM loans, non-conventional home loans, Alt-A loans, private equity loans, hard money loans, private money loans and Small Business Loans. These are cutting-edge, industry-leading lenders and loan programs.

Since 2001, we have provided a noteworthy insight into the mortgage broker industry. We feel that our innovative and noteworthy product knowledge and superior lender resource speaks to the quality of service we provide as well as the relationships we have cultivated. We understand that every consumer can be different and make it our goal to match you with the lender that meets your specific requirements at the best possible rate, terms, and conditions. We understand that it can sometimes be difficult for a consumer to find the right lending options to fit their individual needs. Not everyone is going to fit in the same box

When needed, we look for compensating factors in every area within a borrower's credit profile including credit, income, employment, assets, seasoning, etc. Such as seasoned cash reserves; a low loan-to-value (LTV) ratio; credit depth; payment history; smart utilization of credit card and revolving accounts; employment history (same line of work/profession); disposable income; seasoned homeowner; low debt-to-income (DTI) ratio; residual income; down payment; long-term employment (same job) seasoned business owner with a history of consistent income/cash-flow to achieve favorable results in the areas of not just getting approved for a mortgage but approved for the right mortgage.

Posible Compensating Factors

  • Credit: Depth, tradeline seasoning, credit utilization, reestablished, public record, credit scores
  • Income: Cash-flow, residual, disposable, DTI
  • Employment: History, seasoning
  • Assets: Liquid reserves
  • Seasoning: Credit, employment, assets, home ownership, business ownership

There's a story behind every credit profile and there is a credit profile behind every story

Real Estate Finance Information

Alternative lending; mortgage loan programs; guidelines; matrices; credit score requirements, the maximum percentage of financing, maximum loan amounts, property types, occupancies, seasoning requirements, liquid reserve requirements, underwriting notes and so forth. After we acquire a new loan program, we post it to this website, select directories and social media websites to inform the consumer market as well as individuals like yourself to know what is currently available in the marketplace in an ever-evolving industry. We do update our information as loan program come and go and guidelines are always being updated.

We are an information resource like no other. Our unprecedented and unique business model provides an uncommon approach to the mortgage lending industry with our remarkable style of transparency to the uncommon information we provide into the niche broker world of mortgages. We share unique individual loan program guidelines and highlights for some of the most progressive and leading-edge lenders.

It is our priority to make the process of a mortgage loan as simple and quick as possible. We understand that it can sometimes be frustrating for a worthy borrower to find the right mortgage loan to fit their needs. We understand that each consumer can be different and far more than just a credit score; whether it is very high, which is often the case or very low, there are many factors when it comes to qualifying for a mortgage. We feel that the amount of product and resource we have and have worked very hard for is synonymous with the level of service that we provide, day in, day out, file in, file closed. We can take pride in being an authority in this space within the financial community. In the spirit of competition, our overall objective is to inform the consumer and create transparency. BrokerMortgages Blog