Wholesale & Correspondent Portfolio Lending

Innovative Non-QM Loans

Name: Wholesale & Correspondent Portfolio Lending Programs and Products
Brand: Axos Bank

Expand your non-QM product portfolio with our Expanded, Jumbo and Super Jumbo loan solutions. We offer DSCR, deferred interest, bridge-to-sale, and more.

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Quick Pricer –
Real-time mortgage rates for your loan scenarios.

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Our Top Products

Tailor the loan to fit the client. We mix and match our loans and programs to create a custom solution that fits your client’s unique needs.

Have questions? Talk with our team. Call 888-585-4869.

Pledged Assets

Qualify more borrowers using assets in lieu of traditional income. Purchase, refinance, and cash-out options available.

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Cross-Collateralization

Increase the borrowing power of your clients with cross-collateralization of additional real estate.

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DSCR

Help investor clients qualify for a loan faster with no income documents or W-2s required.

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Super Jumbo

Close more deals with loan amounts up to $30MM and no limits on cash-out amounts.

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Cash-Flow mAXimizer

Give your borrowers flexible payment options so they can put their money to work.

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Bridge-to-Sale

Access a property’s equity prior to its sale so your clients can secure their dream homes.

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Bank Statement Qualifying

Give borrowers the flexibility to use multiple streams of income to qualify for their loan, including personal or business bank statements.

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Asset Depletion

Use liquid assets as full or supplemental income to help clients qualify or borrow more.

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Recently Closed Loans

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We Do What Others Won’t:
Unique Properties

Increase your origination opportunities by diversifying out of simple conventional loans.

Unlimited acreage with exceptions
Hobby farms including orchards and vineyards
Condo projects that don’t meet Freddie / Fannie guidelines
High-rise condos and high-end loft units
Co-ops (NYC only)
Condo hotels (50% LTV)
Mixed-use properties

Loan Guidelines –
Review our program guidelines.

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Turn Times

We’re here to help you close deals. Here are our current turn times. Have an urgent request? Give us a call at 888-585-4869.

Current turn times
Intake	1-2 business days
Processing	1-2 business days
Underwriting	Purchase: 5 business days Refinance: 6 business days
Condition Review	1-2 business days
CD to Docs	1-2 business days

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Partner With the Innovative Leaders in Non-QM Lending

Here’s why we’re the preferred lending team for wholesale, correspondent, and income property lending.

Close the Deals Others Won’t

Loan amounts up to $30MM
Unlimited cash-out amounts
Higher DTI ratios
Deferred-interest and interest-only options
Privacy mortgages and entity vesting
Up to 90% LTV – 100% LTV considered with cross collateralization*
Loans for Foreign Nationals
No ratio DSCR options

Flexible Underwriting

Gift funds can be used for full down payment
Business assets for down payment/reserves
Post-close liquidity as additional income source
Cash out proceeds used to meet reserve requirements
1 year tax returns/P&L income calculation considered
Maximized net rental income with reduced adjustment calculation (5 or more properties)
Qualify with bank statement