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The Right Partner for Your Success

A leadership team with over 35 years of wholesale lending experience committed to helping you close more loans. Product & pricing options from top Wall Street Banks and Insurance Companies.

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2,500+
NonQM Products
5,000+
Active Brokers
+30%
Better Execution
Trusted Partner
Available Products Live
DSCR 1-4 Units
75% DSCR
Bank Statements
12-24 Mo
P&L Only
Alt Doc
Closed End Seconds
660+ FICO
Instant AUS
Eligibility & Pricing
Mobile Ready
Price on the Go
See Us In Action

Discover the Loan House Advantage

Learn how our platform, products, and dedicated team can help you close more loans and grow your business.

Call Us

+1 (407) 764‑2344

Email Us

jparris@mygatormortgage.com

Support Hours

Mon – Fri, 8AM – 5PM EST

Why Loan House

Built for Brokers Who Want More

With the broadest scope of product and credit criteria, we have the best program for all your client's needs.

Best Execution

Never miss best execution. Take advantage of every opportunity in the secondary market. On average, our brokers execute +30% better than the competition.

Innovative Technology

Search over 2,500 NonQM products with instant eligibility, pricing, and AUS findings. Register, upload, and lock — all from our powerful LOiS platform.

Dedicated Support

Over 5,000 brokers trust us with innovative technology, competitive products, and dedicated support, ensuring exceptional client experiences every time.

Partner Channels

Here are 4 reasons for you to inquire about our team

Choose the channel that best fits your business model and start closing more loans today.

1

Wholesale

Gain access to competitive rates, diverse loan products, and exceptional support that enhances a broker's ability to serve clients effectively. Loanhouse Wholesale offers streamlined underwriting, fast turnarounds, and flexible guidelines, making it easier for brokers to close deals efficiently.

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2

Non-Delegated Correspondent

Gain greater control, flexibility, and profitability in their lending process. Loanhouse offers a streamlined platform with competitive pricing, fast underwriting turnarounds, and a wide array of loan products, enabling mortgage bankers to serve more borrowers efficiently.

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3

Delegated Correspondent

Gain a competitive edge with faster loan approvals, greater control over the underwriting process, and improved pricing flexibility. Loanhouse's delegated correspondent model empowers bankers to make quicker lending decisions, reducing turnaround times.

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4

Marketing in house

Having a marketing agency can completely transform your work perspective by allowing you to shift from reacting to daily tasks to executing a structured, growth-driven strategy focused on scaling your business.

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Our Products

Over 2,500 NonQM Products Available

From DSCR to Bank Statements, ITIN to Foreign National — we have a solution for every borrower.

DSCR 1-4 Units

Investor-focused financing for 1-4 unit rental properties.

  • DSCR down to 75% Coverage
  • Unlimited Cash Out up to 65% LTV
  • Short Term or Long Term Rent

DSCR 5-10 Units

Expanded portfolio financing for larger multi-family properties.

  • DSCR to 100% Coverage
  • Full Recourse & Non-Recourse Available
  • Short Term or Long Term Rent

DSCR No Ratio

Flexible financing with no DSCR requirement for investors.

  • No DSCR Required
  • 1-4 Units
  • Short Term or Long Term Rent

12-24 Month Bank Statements

Flexible bank statement documentation options, allowing borrowers to qualify using 12 or 24 months of personal or business bank statements instead of tax returns.

  • Personal or Business Statements
  • No Tax Returns Required
  • Self-Employed Friendly

Asset Depletion

Asset depletion allows borrowers to qualify using liquid assets. Documentation options include bank statements, investment accounts, or retirement funds to verify income eligibility.

  • Liquid Asset Qualification
  • Investment & Retirement Accounts
  • High-Net-Worth Individuals

Asset Utilization

Asset utilization documentation options allow borrowers to qualify using liquid assets instead of traditional income, providing flexibility for self-employed or high-net-worth individuals.

  • Alternative to Traditional Income
  • Flexible Documentation
  • Self-Employed & HNW Friendly

P&L Only

P&L Only documentation allows self-employed borrowers to qualify using a 12-24 month Profit & Loss statement, simplifying income verification without requiring tax returns or bank statements.

  • 12-24 Month P&L Statement
  • No Tax Returns Required
  • Simplified Verification

P&L with 3 Month Bank Statements

A better priced option allowing self-employed borrowers to qualify based on profit and loss statements supported by bank statements.

  • Better Pricing Option
  • P&L + 3 Month Statements
  • Self-Employed Borrowers

1099 Only

12-24 Month 1099 option allows self-employed borrowers to qualify using their 1099 income, offering flexible underwriting and easier access to home financing solutions.

  • 12-24 Month 1099 Income
  • Flexible Underwriting
  • Easy Access Financing

ITIN Full Doc

Flexible financing for borrowers with Individual Taxpayer Identification Numbers, requiring full documentation to verify income, providing homeownership opportunities beyond traditional lending guidelines.

  • Full Documentation
  • Non-Traditional Borrowers
  • Homeownership Opportunities

ITIN Bank Statements

Flexible loan options for borrowers without a Social Security Number, using bank statement income verification for approval.

  • Bank Statement Verification
  • No SSN Required
  • Flexible Qualification

Foreign National DSCR

Financing for international borrowers, focusing on debt service coverage ratio (DSCR) instead of traditional credit score requirements.

  • International Borrowers
  • DSCR-Based Qualification
  • No US Credit Required

1-Year Self-Employed

Flexible qualification criteria for self-employed borrowers with alternative documentation and faster approval, even without traditional income verification.

  • 1 Year Self-Employment History
  • Alternative Documentation
  • Faster Approvals

Written VOE (Verification of Employment)

Flexible loan options for borrowers with unique employment situations, enabling faster approvals without traditional income verification.

  • Unique Employment Situations
  • Faster Approvals
  • Non-Traditional Income

Closed End Seconds

Full Doc, Alt Doc and DSCR options for second lien financing.

  • Credit scores as low as 660
  • Loan amounts up to $750,000 depending on LTV & FICO
  • 50.00% DTI

Guidelines subject to change with no or limited notice. Please review all Loanhouse guidelines for regular updates.

We Are Ready to Help You Win More Business

Join over 5,000 brokers who trust Loan House for competitive rates, innovative technology, and exceptional support.

Start Now +1 (407) 764‑2344

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