Non-QM Solutions
Wholesale Correspondent & Portfolio Lending
Expand your non-QM product portfolio with our mortgage loan solutions.
Portfolio ARM rates have dropped by 1.00%
Contact an Axos Account Executive or price a loan today.
Featured Loan Solutions
Tailor the loan to fit the client. We mix and match our loans and programs to create custom solutions.
Close more deals with loan amounts up to $30MM and no limits on cash-out amounts.
Help investor clients qualify for a loan faster with no income documents or W-2s required.
Give your borrowers flexible payment options so they can put their money to work.
More Non-QM Loans
Pledged Assets
Qualify more borrowers by pledging assets versus liquidating them.
Cross-Collateralization
Increase the borrowing power of your clients with cross-collateralization of additional real estate.
Bridge-to-Sale
Access a property’s equity prior to its sale so your clients can buy now and sell later.
Bank Statement Qualifying
Give borrowers the flexibility to use multiple streams of income to qualify for their loan, including personal or business bank statements.
Asset Depletion
Use liquid assets as full or supplemental income to help clients qualify or borrow more.
Closed-End Seconds
Help clients access up to 85% of their home equity without affecting their first mortgage.
Why Axos?
Our Portfolio programs have features you won’t find elsewhere, allowing you to expand your options and exceed client expectations. Plus, we’ll help you close deals fast.
Turn Times
Intake | 1-2 business days |
Processing | 1-2 business days |
Underwriting | Purchase: 3 business days. Refinance: 4 business days. |
Condition Review | 1-2 business days |
CD to Docs | 1-2 business days |
Recently Closed Loans
Pledged Assets Solution
Los Angeles, CA
Stock Pledged
- $12.65MM loan amount
- $14.1MM purchase price
- 90% LTV
- 5 Year Interest-Only ARM
DSCR
Topanga, CA
Hassle-Free Refinance
- $2.7MM value
- $1.4MM loan amount
- Vesting in entity
- 5 Year Interest-Only ARM
Bridge-to-Sale
Santa Monica, CA
Cash Out
- $1.6MM loan amount
- $3MM value
- Owner occupied, listed for sale
- 53% CLTV
Flexible Mortgage Underwriting
We can fund mortgages others can’t. That’s because our Wholesale & Correspondent Portfolio Lending team takes a personalized approach to tailor custom mortgage loans with our innovative product line.
- Gift funds 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)
Frequently Asked Questions
What is the difference between wholesale and correspondent lending?
Wholesale lenders act as a third party, originating and/or funding a loan, not lending directly to consumers. Correspondent lenders make and sometimes service the loan, working directly with the consumers. Lucky for you, we do both.
What is the difference between a correspondent and a direct lender?
Correspondent lenders originate and fund loans while offering many different loan options due to the relationships with brokers and borrowers. Direct lenders originate and fund loans, but typically have one lending source which can limit mortgage loan options.
What is the wholesale lending model?
Typically, in wholesale lending, the lender has no contact with the borrower. All loan processes are communicated through a third party which is usually a loan originator or broker.
Do non-QM loans follow TRID?
Yes, lenders must abide by TRID requirements for non-QM loans to ensure the borrower’s ability-to-repay.
Have more questions?
Visit our extensive catalog of additional FAQ's.
Axos Lending Resources
Explore warehouse lending offerings, meet the lending team, download forms, and get appraisal information.
Let’s Connect
We’d love to partner with you. Submit your information and we’ll be in touch.