JOIN TAG
Build your mortgage business with AI-powered automation, extensive investor access, dedicated operational support and marketing technology designed to help you grow. TAG Lending Group is a Miami-based non-delegated correspondent lender and wholesale broker with 100+ investors, 11 licensed states and $2.4B+ closed.
01 · THE TAG ADVANTAGE
At Tag Lending Group, we're more than a mortgage company; we're a movement. Four reasons originators and branch leaders choose TAG over a broker shop or a direct lender.
Lend as a non-delegated correspondent or broker the file — you choose the execution that wins the deal, with 100+ investors behind you.
Highest LO splits in the industry, DSCR and commercial structures, and a $299/mo tech fee that includes everything instead of garnishing your gross.
HubSpot CRM/CMS, Arive LOS, AI intake forms and automated follow-up configured before your first file. We don't just originate, we automate.
Choose your processor, choose your underwriter, 24/7 global support and a pre-underwriting desk that clears files before they hit the investor.
02 · YOUR STACK, DAY ONE
The actual stack every TAG loan officer receives. One $299/mo technology fee covers all of it — no à-la-carte tools, no per-file deductions.
Every contact, deal and Realtor relationship in one system, with a HubSpot portal for each branch.
Workflows and AI bots that run follow-up, task creation and nurture without you — the system cuts man-hours by 60%+.
Modern loan origination with pricing and eligibility built in and fully integrated with HubSpot.
Pre-approval, milestone and post-close touches by email, SMS, video and voice on autopilot.
Text messages and co-branded campaigns going out every week on your behalf.
Pipeline, pull-through and partner activity at a glance for every LO and branch.
Secure document collection and cloud storage for every file.
Direct line to ops, underwriting help desk, virtual assistants and leadership.
Personalized video for borrowers and Realtor partners.
Tag Team Nation produces your content, campaigns, co-branded flyers and landing pages from day one.
AI POWERED MORTGAGE COMPARISON
Mortgage Broker | Non-Delegated Correspondent "TAG" | Direct Lender
| Feature | Mortgage Broker | Non-Delegated Correspondent Tag Lending Group | Direct Lender | Savings or Net Profit |
|---|---|---|---|---|
| Investor Access | Limited broker agreements. | 100+ investors → wide "sandbox" of products, while still maintaining control of fulfillment, still beat broker/direct rates. | One in-house product = "vanilla ice cream, with no other flavors." | More choices = more closings. Brokers/Directs lose deals due to lack of options. |
| Pricing Control | No control. "What you see is what you get," based on the company margins. | Full control. Build fees into pricing, waive with exceptions, still beat broker/direct rates. | Limited control. Margin baked into rate to cover W-2 staff, overhead, expenses and the list goes on. Branch model margins are usually 1.5% higher on rates. | Typically, 40 BPS better than brokers or up to 150 BPS better than direct lenders, depending on the program and investor. |
| Processing | Processor assigned, no transparency. | 7 contract processing companies (multi-lingual), scored like Google reviews so you know who performs best on turnaround times, or is at loan capacity. | W-2 processors; fixed costs. "Dealing with combative attitudes" | Lower ops costs = MLOs/Branch keep more margin at TAG. |
| DSCR Loans | Capped margins. | Mortgage Loan Originators have the opportunity to earn up to a 4.5% company margin, with 70% of net proceeds paid out. Compensation is reviewed quarterly to ensure it aligns with our Company Pricing Policy and remains fully compliant with all federal and state regulations. Adjustments upward or downward may be made as needed to maintain compliance. | Limited flexibility, capped structures. | TAG MLOs/Branch Models earn 2–3x more per DSCR deal than Brokers/Directs. |
| Closing Speed | Dependent on investor timelines. | Automated system closes in <14 days. | Slow due to staff bottlenecks. | Faster closings mean more volume per MLO → higher income. |
| Underwriting | Dependent on lender partner. | Internal pre-underwriter (TBD) + contract underwriting company for fulfillment. Optional fee only if loan closes. "FULL CONTROL" | In-house bottleneck. | Faster clears = save time = money. No Salary = No Higher Rates. |
| Compensation | Typically capped at 275 BPS. | Compliant Version: 180 BPS on self-generated business, 100 BPS on company-provided co-op leads, 70% of net proceeds on DSCR and commercial loans. Compensation is tied to loan amounts in accordance with our Company Compensation & Pricing Policy. All structures are reviewed regularly to ensure compliance with federal and state regulations, including Loan Originator Compensation Rule (LO Comp Rule). | ~150 BPS or less. | TAG = +25–125 BPS more per loan vs Broker/Direct. |
| Expenses | Pay per file. No bundled tech, garnish 10-20% of gross profit. | $299/mo tech fee includes HubSpot Pro, LOS, Box, Slack Pro, 24/7 Virtual Assistant support, etc. | Rates padded to cover salaries + overhead. | Brokers pay à la carte, Directs lose margin → TAG saves hundreds per file + fixed low fee. |
| Realtor/Client Support | Limited co-marketing, if any. | Full Realtor portfolio, co-branded flyers, 24/7 VA support, instant updates to all parties. Text messages going out every week on your behalf. | Basic co-branding. Asking legal for permission. | TAG = better Realtor retention & referrals = $$$ in repeat deals. |
| Credit/Operations | No operations or control. | Company credit card ($500/mo) + comp adjustments tied to performance. | W-2 overhead eats margin. | TAG = direct savings to LO pocket. |
| State Licensing & Reach | Often limited to 1-2 states. | Licensed in 11 states (Lender: FL, SC, TN, TX, GA, MI, NM, OH; Broker: NJ, CT, PA, NM). | Restricted to branch footprint. | TAG = immediate multi-state expansion without extra costs. |
| Branch Model | Broker shops capped at 2.75% comp. How can you grow being capped? | Pure 1099 branch DBAs under TAG. Flat 300 BPS. SRP flows to branch, not lender. Licensing varies by state. Tag Lending Group, LLC is licensed as a Mortgage Lender in FL, SC, TN, TX, GA, OH, and MI; and as a Mortgage Broker in NJ, CT, PA, and NM. Not all programs are available in all states. | Branch nets compressed by 5+ point spreads to the lender making all of the money, hence higher rates. | Branch managers at TAG double their take-home vs Directs. |
| Product Flexibility | Limited based on partner investors. | Full suite: FHA down to 500, No-Doc, Bank Statement, Crypto, Foreign National, Jumbo ($100M+), Reverse, Renovation, Construction, DSCR, Fix & Flip, Bridge, Commercial. | Only what their in-house UW allows. | TAG = more approvals → more closed deals → more money. |
| Proven Track Record | Dependent on broker partner's reputation. | $100M+ closed in 12 months, CEO funded $2.4B career-to-date, 300+ Realtor partners, NAMB & HubSpot partner, Google Ads Certified. | Direct lender volume but at higher cost. | TAG credibility = recruits + clients trust faster → you scale faster. |
| Marketing & Realtor Support | Minimal co-branding. | Tag Team Nation: HubSpot CMS, co-branded flyers, open house marketing, Google Ads, certified HubSpot/CRM partner. CEO Anthony Angelillo will help you land ANY account. | Basic flyers + email drip. | TAG = done-for-you marketing saves $$$ and grows your Realtor base. |
A faster way to explain the difference between Brokers, Direct Lenders, and TAG Non-Del.
04 · NON-DELEGATED CORRESPONDENT
A non-delegated correspondent lender with broker flexibility: more ways to place a loan, full pricing control, and fewer reasons to turn a deal down.
Fund as the lender on eligible files with investor underwriting behind you. SRP flows to the branch, not the lender.
Switch execution file by file to get the right approval and the right price — typically 40 BPS better than brokers, up to 150 BPS better than direct lenders.
100+ investors, a wide sandbox of products, while still maintaining control of fulfillment.
FHA down to 500, No-Doc, Bank Statement, Crypto, Foreign National, Jumbo to $100M, Reverse, Renovation, Construction, DSCR, Fix & Flip, Bridge, Commercial.
Build fees into pricing, waive with exceptions, and get help structuring tough scenarios before you present them.
Automated system closes in under 14 days on qualified purchase files. Faster closings mean more volume per MLO.
05 · WE AUTOMATED THAT
Your job is to originate. Ours is to make sure nothing slows the file down between application and funding — no operations costs, we automated that.
7 contract processing companies (multi-lingual), scored like Google reviews so you know who performs best on turnaround times.
Internal pre-underwriter plus contract underwriting for fulfillment. Optional fee only if the loan closes.
24/7 Philippines-based virtual assistant support as your production grows.
Instant updates to all parties and milestone communication handled for you, A-to-Z file flow.
Clean files move the same day they arrive through AI pre-qualification and doc gathering pushed straight into LOS and CRM.
Built-in LMS, playbooks for MLO onboarding, and CEO Anthony Angelillo will help you land any account.
06 · TAG TEAM NATION
Done-for-you marketing through Tag Team Nation — a certified HubSpot Solutions Partner and Google Ads Partner — so you generate new business and keep the business you already earned.
Our proprietary AI Mortgage Solutions framework delivers borrowers and Realtors a powerful, fully automated, strategic plan tailored to every scenario — turning first conversations into funded loans and referrals.
07 · HOW YOU GET PAID
Pick the structure that matches how you source business. Every plan includes the full technology and support stack and is reviewed for compliance with the LO Comp Rule.
180 BPS on self-generated business — the highest tier for loans you source through Realtors, past clients and referral partners.
100 BPS on company-provided co-op leads generated by TAG marketing and delivered to you.
70% of net proceeds on DSCR and commercial loans, with up to a 4.5% company margin opportunity.
Pure 1099 branch DBAs at a flat 300 BPS, or W-2 where state law requires it.
$299/mo covers HubSpot, LOS, Box, Slack Pro and 24/7 VA support. Plus a company credit card up to $500/mo tied to performance.
Mortgage Loan Officers may be classified as W-2 employees or independent contractors (1099), subject to applicable state laws and company policies.
In certain states, Mortgage Loan Officers may be required to be classified as W-2 employees based on applicable laws and regulatory guidance.
These states may include: CA (DFPI), GA, IN (DFI), MA, MS, MT, NV, NJ, NC, SC, RI, and VT
Earn competitive commission splits, subject to applicable fees and company policies. Includes access to high-margin loan programs and Non-QM solutions.
Earn competitive commission-based compensation with structured splits, subject to applicable fees, payroll taxes, and company guidelines. Includes access to high-margin loan programs and Non-QM solutions.
Eligible Loan Officers may receive a company-issued marketing expense card with a monthly limit of up to $1,000, to be used solely for approved business and marketing activities in accordance with company policy and applicable regulatory requirements. All expenses are subject to review, approval, and compliance oversight.
09 · 11 STATES AND GROWING
Licensed in 11 states and growing. Loan officers may become associated with Tag Lending Group, LLC in approved states, subject to state licensing requirements — immediate multi-state expansion without extra cost.
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Broker only in CT, PA, and NJ.
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RECOGNITION & EXCELLENCE
From Scotsman Guide Top Originator rankings to the 2026 South Florida Business Journal Fastest-Growing Companies list — recognition earned by the team you would be joining.
WHOLESALE MORTGAGE COMPANY
At Tag Lending Group, we're more than a mortgage company; we're a movement. Our Proprietary AI Mortgage Solutions Roadmap to Homeownership™ delivers borrowers and Realtors a powerful, fully automated, and strategic plan tailored to every scenario.
Built for entrepreneurs who want leverage, not babysitting. Must be a licensed Mortgage Loan Originator (NMLS) — or on the path to becoming one.
TEAM VOICES
What TAG loan officers, processors and branch leaders say about the technology, the support, the compensation and the culture. (Real quotes to be added.)
CANDIDATE QUESTIONS
Straight answers to the questions candidates ask most about working at a technology-driven, non-delegated correspondent lender.
Yes. TAG Lending Group is a Miami-based non-delegated correspondent mortgage lender that equips every loan officer with HubSpot CRM/CMS, AI-powered automation, Arive LOS, Vidyard, Box and Slack Pro, plus done-for-you marketing through Tag Team Nation.
Yes. Every TAG loan officer receives a configured HubSpot seat — with a HubSpot portal for each branch — including automated borrower follow-up, Realtor campaigns and smart dashboards. It is included in the $299/mo technology fee.
Yes. TAG offers remote loan officer positions in states where it holds lender or broker licensing and where remote employment is permitted. Some states have location-proximity requirements — see the State Licensing page.
TAG maintains more than 100 investor relationships covering Conventional, FHA, VA, USDA, Jumbo to $100M, and a full Non-QM suite including DSCR, Bank Statement, Foreign National and Crypto-backed programs.
Yes. TAG offers both W-2 and 1099 loan officer structures where permitted by state law, including pure 1099 branch DBAs. In certain states, MLOs may be required to be classified as W-2 employees.
Turn-key campaigns from day one, co-branded flyers and open house marketing, past-client automation, weekly Realtor text campaigns, social-media and content management, landing pages and the Road Map to Homeownership™ borrower framework.
TAG loan officers can originate in every state where TAG holds a license: Lender in FL, SC, TN, TX, GA, MI, NM and OH; Broker in CT, PA and NJ. The current list is maintained on the State Licensing page.
A 100% commission shop pays a high split and charges for everything else — no bundled tech, garnishing 10-20% of gross profit. TAG includes enterprise technology, processing, pre-underwriting, marketing and pricing control in one predictable $299/mo fee, typically netting +25–125 BPS more per loan.
Explore open opportunities and find the role that fits your next move. Every role comes with the full TAG technology stack, 24/7 support and the Road Map to Homeownership™ system.
TAG Lending Group is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other characteristic protected by law.
Tag Lending Group, LLC (NMLS ID #2329372) is a licensed Mortgage Lender in Florida, South Carolina, Tennessee, Texas, Georgia, and Michigan; and a licensed Mortgage Broker in New Jersey, North Carolina, Connecticut, and Pennsylvania. We operate as a Non-Delegated Correspondent Lender in certain states and as a Mortgage Broker in others. Not all products are available in all states. Licensing status can be verified through the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website.
All product comparisons, rate savings illustrations, and compensation examples provided herein are for educational and recruitment purposes only and do not constitute a commitment to lend, extend credit, or guarantee savings. Actual pricing, loan eligibility, and compensation structures may vary by borrower profile, investor, state licensing restrictions, and market conditions. Any references to pricing spreads (e.g., "up to 40 BPS better than Brokers" or "up to 150 BPS better than Direct Lenders") are based on typical investor scenarios and subject to change without notice.
Tag Lending Group complies with all applicable Federal and State laws, including the SAFE Act, RESPA, TILA, ECOA, GLBA, and CFPB UDAAP guidelines.
We respect consumer privacy and comply with the Telephone Consumer Protection Act (TCPA), CAN-SPAM, and all Do Not Call regulations. Tag Lending Group does not solicit, call, or market to any consumer who has not expressly opted in to receive communications.
All SMS, email, and phone communications are sent only with documented consumer consent and may be revoked at any time.
All marketing references to AI, automation, and CRM systems are for internal business and recruitment use, intended for recruiting licensed Mortgage Loan Originators (MLOs), financial professionals, and real estate partners. Borrower-facing systems are fully compliant with Federal and State consumer protection laws.
A perfect fit for self-employed borrowers
Min. FICO 620 | Up to 90% LTV
○ Use personal, business, or combined bank statements
○ No tax returns required
○ Flexible income calculation options
Built for borrowers who need flexible documentation
Min. FICO 600 | Up to 80% LTV
○ Use a 1-year profit and loss statement to qualify
○ Eligible for SFRs, condos, and townhomes
○ Not available for first-time homebuyers
Buy sooner without the 2-year wait
Min. FICO 660 | Up to 80% LTV
○ Only 1 year of self-employment required
○ Qualify using 12 months bank statements + prior W2/1099
○ Must be in the same line of work
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Home Financing for Self-Employed Buyers
Min. FICO 640 | Up to 96.5% financing
○ Designed for eligible self-employed borrowers with established and verifiable business or trade history.
○ Income qualification available using Profit & Loss Statements and a Balance Sheet.
○ Offers up to 96.5% financing, with as low as 3.5% down for eligible borrowers.
Designed for commission-based and independent earners
Min. FICO 620 | Up to 80% LTV
○ Qualify using 1099 income only
○ No tax returns required
○ Loan amounts up to $8M
A full documentation option with expanded non-QM flexibility
No Score or Min. FICO 620 | Up to 80% CLTV
○ Loan amounts up to $4M
○ Flexible cash-in-hand limits based on CLTV
○ Built for borrowers who need non-agency options
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A streamlined option for wage earners with stable employment
Min FICO 620 | Up to 80% LTV
○ No paystubs, W2s, tax returns, or 4506-C required
○ Uses completed FNMA Form 1005
○ Requires 2-year history with the same employer
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Close investment loans with fast, flexible qualification
Min. FICO 620 | Up to 80% LTV
○ Qualify using property cash flow (DSCR > 1.25)
○ No personal income or employment required
○ Short-term rentals allowed
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Cash-flow based financing for investment properties
Min. FICO 620 | Up to 80% LTV
○ Qualify using rental income (DSCR-based)
○ No tax returns or employment needed
○ Options available for purchases and refinances
Built for experienced investors seeking higher loan amounts
Min. FICO 660 | Up to 70% LTV
○ Qualify using rental income (DSCR-based)
○ No personal income or employment required
○ Refinance and cash-out options available
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Designed for real estate investors
Min. FICO 660 | Up to 85% LTV purchase
○ Qualify using rental income only
○ No employment or tax returns required
○ Supports 1–10 unit properties
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Built for scaling investors using rental income to qualify
Min. FICO 660 | Up to 80% LTV
○ Qualify based on rental income
○ Ideal for LLCs and portfolio growth
○ Flexible terms for investment expansion
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Access U.S. financing without traditional domestic documentation
Min. FICO Not Required | Up to 75% LTV
○ Designed for non-U.S. citizens buying property in the U.S.
○ Flexible loan structures for international borrowers
○ Great for rental income or long-term appreciation
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A full documentation option for international borrowers
Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required
A full documentation option for international borrowers
Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required
Qualify using assets instead of income
Min. FICO 620 | Up to 80% LTV
○ Convert liquid assets into qualifying income
○ No employment or income required
○ Ideal for retirees or high-net-worth clients
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Flexible financing for ITIN borrowers
Min. FICO 640 | Loan Amounts Up to $1M
○ Flexible mortgage financing available for borrowers without a Social Security Number
○ Wage earners may qualify using WVOE and bank statements without W2s or paystubs
○ Available for purchase and refinance transactions across multiple occupancy types
Designed for borrowers outside traditional income guidelines
Min. FICO 660 | Up to 80% LTV
○ No DTI calculation required
○ No income or employment verification required
○ Available for primary, second homes, and investment properties
Designed for borrowers needing flexible income options
Min. FICO 700 | Up to 70% LTV
○ Use full doc, 1099, P&L, or bank statements
○ Asset utilization available for qualification
○ Ideal for self-employed and complex income borrowers
Built for borrowers needing maximum flexibility
Min. FICO 660 | Up to 85% LTV
○ Flexible income documentation | 40-year options available
○ Use full doc, 1099, bank statements, or asset utilization
○ WVOE option available for simplified qualification
Buy Your Next Home Before Selling Your Current One
Up to 75% LTV (70% in FL) | Loan Amounts Up to $2M
○ Leverage home equity to buy before you sell.
○ Available for primary, second homes, and investment properties.
○ Multiple income documentation options are available.
Qualify using assets instead of traditional income
Min. FICO 600 | Up to 80% LTV Purchase
○ Qualify using liquid assets with no traditional income verification required
○ Flexible qualification structure designed for cash-heavy borrowers
○ Available for primary residences and second homes with simplified underwriting
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Lower monthly payments with flexible financing options
Min. FICO 640 | Loan Amounts Up to $3M
○ Interest-only payment options available with lower initial monthly payments
○ Available for primary residences, second homes, and investment properties
○ Flexible financing structure with 5-Year and 10-Year IO term options
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Specialized Solutions for Unique Properties and Borrower Scenarios
Min. FICO 600 | Loan Amounts Up to $4M-$5M (Case-by-Case)
○ Financing available for specialty property types, including condotels, manufactured homes, short-term rentals, and 2-4 unit properties.
○ Multiple qualification options available, including DSCR, Bank Statements, Asset Utilization, WVOE, P&L, 1099, and Full Doc.
○ Flexible underwriting for borrowers with unique credit profiles, recent credit events, or non-traditional income sources.
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Qualify Using Your Assets Instead of Employment Income
Min. FICO 620 | Loan Amounts Up to $4 Million
○ Qualify using eligible liquid assets instead of employment or self-employment income.
○ No tax returns, pay stubs, or employment verification required, and assets do not need to be liquidated.
○ Available for purchase and refinance transactions with financing up to 80% CLTV and DTI up to 55%.
A flexible mortgage solution for well-qualified borrowers
Min FICO 620 | Up to 97% LTV
○ Available for primary, second, and investment properties
○ No upfront funding fee required
○ Potentially lower rates for excellent credit
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Expanded conforming financing for higher-cost markets
Min FICO 620 | Up to 97% LTV
○ FICO as per AUS
○ Cash-out allowed
○ Available for primary, second, and investment properties
An affordable conventional option for eligible buyers
Min. FICO 620 | Up to 97% LTV
○ Up to $5,000 grant available
○ Flexible income sources allowed
○ Reduced PMI options
○ Ideal for first-time homebuyers
Finance the home and renovations in one loan
Min. FICO 620 | Up to 97% LTV
○ Eligible for primary, second, and investment properties
○ Uses after-completion appraised value
○ Can cover remodeling, repairs, ADUs, and more
Ideal for first-time homebuyers with no income or location limits
FICO per AUS, Up to 97% LTV
○ Loan amounts up to $832,750
○ Minimum down payment is 3%
○ Max CLTV is 105%; max LTV is 97%
A flexible government-backed option for buyers
Min. FICO 580 | As Low as 3.5% Down
○ Higher debt-to-income ratios allowed
○ Loans are assumable
○ Seller, builder, or lender credits may help with closing costs
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Higher FHA loan limits for qualifying borrowers in eligible areas
Min. FICO 580 | Up to 97.75% CLTV
○ Loan amounts up to $1,209,750
○ DTI as per AUS
○ Available for primary residences and second homes
Renovation financing is built into one loan
Min. FICO 580 | 3.5% Down Payment
○ Available for purchase or refinance
○ Covers structural repairs, additions, HVAC, roofing, and more
○ Can also include new appliances
A powerful benefit for eligible veterans and service members
Min FICO 580 | 0% down
○ Competitive interest rates
○ Flexible credit requirements
○ Assumable loan options available
Buy and renovate a home with one loan
Min. FICO 580 | Up to 100% LTV
○ Finance purchase or refinance plus renovation costs in one VA loan
○ No down payment and no monthly mortgage insurance for eligible Veterans
○ Covers repairs, upgrades, and improvements based on after-completion value
Affordable financing for eligible rural and suburban homebuyers
Min. FICO 580 | 0% down
○ Available in eligible rural or suburban areas
○ Designed for qualifying households
○ Great option for low-down-payment buyers
Flexible financing solutions for high-value home purchases
Min. FICO 700 | Up to 90% LTV
○ Designed for high-balance and luxury properties
○ Competitive pricing with flexible loan structures
○ No PMI options available (20% down)
○ Ideal for primary, second homes, or investment properties
Premium jumbo financing for highly qualified borrowers
Min. FICO 720 | Up to $3.5M
○ 15- and 30-year fixed options
○ Cash-out up to 75% HCLTV
○ No mortgage insurance required
Expanded high-balance financing with strong leverage options
Min. FICO 620 | Up to 90% HCLTV
○ Loan amounts up to $4M
○ 30- and 40-year fixed plus ARM options
○ DTI up to 55%
Financing for business growth and real estate investment
Min. FICO 680 | Up to 75% LTV
○ Access funds for expansion or commercial real estate
○ Potential tax advantages may apply
○ Built for investor and business-use scenarios
Fast and flexible financing outside traditional guidelines
No minimum FICO | Up to 70% LTV
○ Helpful for borrowers with poor credit
○ Often easier to qualify for than traditional loans
○ Built for speed and flexibility
Short-term financing for acquisition, renovation, and resale
Min. FICO 660 | 20% Down Required
○ Finance purchase price and rehab costs in one loan
○ No payments required for the first 12 months
○ Interest rates typically range from 9%–11%
Build your home with one loan, one approval, and one closing
Min FICO 700 | Up to 95% LTV
○One-time closing, no need to refinance after construction
○ Lock your rate upfront for long-term stability
○ Finance construction costs and land in one loan
○ Streamlined process from build to move-in
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Fast funding for project-based real estate opportunities
No minimum FICO | Up to 82% LTC
○ 1% origination fee to Easy Street Capital
○ Built for quick execution
○ Ideal for construction-focused financing needs
Flexible financing for new construction projects
Up to 90% LTC | Up to 70% LTV
○ Loans up to $3M
○ In-house construction management and inspections
○ Contact your rep for current rates
Long-term financing for rental and investment properties
Min. FICO 660 | Up to 80% LTV
○ Eligible for single rentals, vacation homes, and multi-unit portfolios
○ Competitive rates available
○ Built for long-term real estate investors
Designed for homeowners and investors
Stand-alone second lien | Flexible property eligibility
○ Fixed-rate second mortgage structure
○ No need to refinance existing first lien
○ Ideal for leveraging equity while keeping low rates
Designed for homeowners looking to maximize financing
First + HELOC combo | Reduce out-of-pocket costs
○ Simultaneous financing with first lien and HELOC
○ Access additional funds at closing
○ Flexible structure for purchase transactions
Designed for homeowners needing fixed second lien financing
Up to 85% CLTV | Fixed-rate second lien
○ Predictable fixed monthly payments
○ Access equity without refinancing the first mortgage
○ Ideal for cash-out or consolidation
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Designed for homeowners seeking stable equity access
Fixed-rate HELOC | Predictable payments
○ Based on CLTV and credit profile
○ Access funds without refinancing the first mortgage
○ Ideal for long-term planning and stability
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Designed for homeowners needing additional financing
Fixed-term second lien | Access equity without refinance
○ Standard second mortgage structure
○ Allows gift funds in some cases
○ Ideal for cash-out or supplemental financing
Designed for homeowners looking to access their equity
Flexible condo eligibility | Primary, second, and investment use
○ Qualify using full doc or asset utilization
○ Available for owner-occupied and investment properties
○ Ideal for cash-out, debt consolidation, or investing
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Financing for medical professionals at different career stages
Min. FICO 680 | Up to 95% LTV
○ Up to $2M for licensed professionals who completed residency
○ Up to $1M for residents, interns, and fellows
○ Primary residence purchase only
Unlock equity so you can move before your current home sells
Min. FICO 660 | Up to 80% LTV
○ Make a stronger offer on your next home
○ Avoid moving twice
○ Built for smoother equity transitions
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Extra lender credit support to reduce borrower costs
Min. FICO 640 | Up to 97% LTV
○ Credit comes from premium pricing
○ Can help reduce cash needed at closing
○ Useful for affordability-focused financing
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Financing for condos that fall outside standard lending guidelines
Min. FICO 660 | Up to 85% LTV
○ Access financing for non-traditional condo properties
○ Ideal for projects that do not meet agency standards
○ Helps open more condo purchase opportunities
Flexible financing for a wide range of manufactured housing
FICO as Low as 500 | Up to 100% Financing on Select Programs
○ Available with FHA, VA, USDA, and Conventional options
○ Eligible for singlewide, doublewide, and triplewide homes
○ Includes purchase, rate-term, and cash-out options
Financing for borrowers without traditional credit
Min. FICO Not Required | Up to 97% LTV
○ Alternative credit like rent, utilities, and phone bills may be used
○ Available with FHA, FNMA, and VA options
○ Eligible for SFRs, condos, PUDs, and some manufactured homes
Access home equity through a reverse mortgage structure
Min. FICO 600 | Loan Amounts Starting at $40,000+
○ Convert home equity into accessible funds with no monthly mortgage payments
○ Available for primary residence refinance with required counseling
○ Residual income and credit requirements apply based on borrower profile
Designed for very-low-income first-time homebuyers
Min FICO 620 | Up to 97% LTV
○ Helps eliminate upfront cash barriers
○ Includes an assistance component to offset costs
○ Ideal for borrowers with limited savings
Designed for low-to-moderate income homebuyers
Grant-based assistance | No repayment required
○ Available with FHA and conventional loans
○ Helps cover down payment and closing costs
○ Income-targeted eligibility, Ideal for first-time buyers
Perfect for first-time homebuyers with limited funds
FHA 580–599 FICO | No Min. LTV or Max. CLTV
○ Forgivable or repayable assistance options
○ Available with FHA and USDA loans
○ Helps cover down payment and closing costs
Designed for buyers needing flexible assistance options
Min. FICO 620 | Up to 97% LTV
○ First-time homebuyer eligibility may not be required
○ Helps reduce upfront cash needed
○ Flexible qualification structure
Designed for buyers seeking lower upfront costs
Down payment assistance with shared appreciation
○ Second lien tied to future home value
○ Reduces initial cash investment
○ Ideal for long-term homeowners
Designed for FHA borrowers needing assistance
Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers
Designed for eligible Florida homebuyers and occupations
Min. FICO 640 | Up to 97% LTV
○ State-specific program with income/occupation eligibility
○ Helps cover down payment and closing costs
○ Supports workforce housing initiatives
○ Ideal for primary residence purchases
Designed for first-time buyers needing support
Min. FICO 620 | Up to 97% LTV
○ Allows seller concession flexibility
○ DU approve/eligible required
○ Helps reduce upfront costs
○ Works with standard agency financing
Designed for FHA borrowers needing upfront assistance
Min. FICO 580 | Up to 96.5% LTV
○ No silent second lien
○ Helps reduce cash to close
○ Works with FHA loans
○ Simple and clean structure
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Designed for FHA borrowers needing assistance
Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers
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Financing Solutions for Hotel-Style Condominium Properties
Min. FICO 600 | Loan Amounts Up to $4M
○ Finance eligible condotel and resort-style properties with flexible qualification options.
○ Full Doc, Bank Statement, and DSCR programs available for owner-occupied, second home, and investment properties.
○ Up to 75% LTV purchases, Airbnb income eligibility, entity vesting options, and no reserve requirements.
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Expanded Non-QM Financing with Multiple Ways to Qualify
Min. FICO 660 | Up to 90% LTV | Loan Amounts from $150K to $3M
○ Multiple income documentation options available.
○ Available for primary, second home, and investment properties.
○ Purchase, rate-term, and cash-out refinance options.
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Access Your Home Equity Without Refinancing Your First Mortgage
Min. FICO 620 | Up to 89% CLTV | Credit Lines from $5K to $1M
○ Access your home's available equity.
○ Fixed-rate initial draw with additional draw options.
○ Available for owner-occupied and investment properties.
Flexible Full-Doc Financing for More Borrower and Investor Scenarios
Min. FICO 600 | Up to 90% LTV | Loan Amounts Up to $3M
○ Full-documentation qualification.
○ Primary, second home, and investment options.
○ Purchase and refinance available.
One Loan. Multiple Investment Properties.
Min. FICO 660 | Up to 80% LTV | Loan Amounts Up to $6.25M
○ Finance up to 25 properties under one blanket loan.
○ DSCR as low as 0.75x at the property level.
○ Available for 1–4 unit investment properties with purchase, rate/term, and cash-out options.
Flexible DSCR Financing for Residential + Commercial Properties
Min. FICO 700 | Up to 75% LTV | Loan Amounts from $400K to $2M
○ Minimum 1.10 DSCR required.
○ Retail, restaurant, and office use allowed.
○ Up to 65% LTV on cash-out refinances.
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