MortgageHouz shops your deal across four top Non-QM and wholesale lenders — finding the best fit for your income type, property, and goals. No personal income docs required for investors. No tax returns for the self-employed.
No credit pull · Response within 1 business day
A MortgageHouz specialist will reach out within one business day to review your scenario and match you with the best program.
Click any card to explore full program details, guidelines, and eligibility for that lender.
The go-to for real estate investors. DSCR-based qualifying, LLC vesting, bank statement option for self-employed, and up to $1M line amount.
View Program →Nation's leading home equity wholesale lender. Fastest turns in the business — HELOCs close in 2–3 weeks. DSCR 1st lien up to $2.5M.
View Program →100% digital from app to funding in as little as 5 days. Borrower-driven self-service platform and 2% broker compensation on every funded loan.
View Program →Non-QM closed-end second lien for borrowers who don't fit anywhere else. Down to 580 FICO, bank statements, DSCR for investors, all occupancy types.
View Program →Access up to $1,000,000 of your home’s equity — primary, secondary, or investment. Help your clients consolidate debt, fund renovations, cover tuition, or meet other financial goals. Flexible income qualifications including bank statements.
No impact to credit. Response within 1 business day.
A MortgageHouz specialist will contact you within one business day to walk through your Jumbo HELOC scenario.
A fast, easy close so your borrowers can get the funds they need as soon as possible — for any goal, any property type.
Help clients eliminate high-rate credit card and personal loan debt by tapping home equity at a far lower rate — one simple monthly payment.
Fund kitchen remodels, additions, or major upgrades without disturbing the existing first mortgage rate. Use equity to build more equity.
Cover college tuition, private school, or professional education costs. A HELOC gives clients flexible draw access as tuition bills arrive.
12-month personal or business bank statements accepted in lieu of tax returns — perfect for clients whose write-offs reduce stated income.
LLC vesting allowed. Up to 75% CLTV on investment properties. Min 700 FICO. Ideal for landlords accessing rental property equity.
First-lien HELOC available for borrowers with no existing mortgage — unlock your equity without a traditional cash-out refinance.
Fast and easy close so your borrowers can get the funds they need as soon as possible.
Help your clients access up to $1,000,000 in equity — fast close, flexible income qualification. Submit a scenario and we'll have pricing back to you same day.
DSCR HELOC · Investment or Primary · No credit pull
A MortgageHouz specialist will contact you within one business day to walk through your DSCR HELOC scenario.
Primary & 2nd Home HELOC offers adjustable HELOCs, fixed-rate HELOCs, HELOANs, and DSCR first-lien investor financing — with the fastest closing times in the wholesale channel.
Fastest home equity closes in the wholesale channel.
A MortgageHouz specialist will contact you within one business day to price your Primary & 2nd Home HELOC scenario.
Primary & 2nd Home HELOC's suite spans primary residence HELOCs to large-balance DSCR investor loans.
Up to 95% CLTV for qualified borrowers, with variable-rate draw periods and interest-only payment options during the draw phase.
HELOCs and HELOANs available on second / vacation homes. Keep the first mortgage rate intact.
Primary & 2nd Home HELOC's DSCR first-lien product goes up to $2.5M with DSCR ratios as low as 0.75x. Qualify on property cash flow, not personal income.
Standalone and piggyback second lien options. Excellent for purchase transactions where the borrower wants to avoid PMI.
Fixed-rate HELOC and HELOAN products with terms up to 30 years let borrowers lock in a predictable payment to retire high-rate debt.
48–72 hour underwriting and average fund times of 14–21 days. The choice when your borrower needs equity fast.
Primary & 2nd Home HELOC is the nation's largest home equity wholesale lender, founded in 2016 and licensed in 40+ states.
Variable HELOC, fixed HELOC, HELOAN, or DSCR investor loan — we'll find the right Primary & 2nd Home HELOC product for your scenario and price it live.
HELOC · HELOAN · DSCR 1st Lien · Fast Pricing
A MortgageHouz specialist will reach out within one business day to price your Primary & 2nd Home HELOC scenario.
Digital HELOC is a fully digital HELOC for primary and second home borrowers — borrower-driven, no branch visits, no loan officer required. The fastest HELOC close in the market.
Start the fastest HELOC in the market. 5-day fundings available.
A MortgageHouz specialist will contact you within one business day to start your Digital HELOC.
Digital HELOC is built for borrowers who need equity fast and want a fully digital, self-service experience — no branch required.
Need funds in less than two weeks? Digital HELOC's fully digital process can get you from application to funded in as little as 5 days.
Access your home equity for renovations, debt consolidation, education, or any financial goal — all without leaving your house.
Digital HELOC supports primary and second home borrowers. Ideal for quick access to equity on a vacation or beach property.
The entire process — application, underwriting, and funding — is managed online. No paperwork, no office visits, no waiting on hold.
Credit score requirements start at 640. Pre-qualification uses a soft pull at 600+ so borrowers can explore options without a hard hit.
Digital HELOC is a second lien — keep your existing low-rate first mortgage and unlock the equity sitting in your home.
Digital HELOC is a division of Digital HELOC — a Top 10 Non-QM lender. Purpose-built for speed and borrower convenience, with 2% broker compensation on every funded loan.
The fastest fully digital HELOC in the market. MortgageHouz handles everything — and you manage it all online.
Digital HELOC · Primary & 2nd Home · 5-Day Close
A MortgageHouz specialist will contact you within one business day to kick off your Digital HELOC.
A Non-QM closed-end second mortgage for borrowers who don't fit conventional molds. Down to 580 FICO, bank statement income, DSCR for investors, all occupancy types.
Non-QM second lien for every borrower profile.
A MortgageHouz specialist will contact you within one business day to walk through your NON-QM HELOC scenario.
Built for borrowers the conventional market leaves behind. Multiple income doc types, low FICO thresholds, and flexible structures for primary, second home, and investment properties.
Qualifies down to 580 FICO — lower than virtually any other second-lien program in the wholesale market.
Use 12 or 24 months of personal or business bank statements. No tax returns or W-2s required.
DSCR-based qualifying for investment properties. Access equity based on rental income, not personal income docs.
1099, P&L statements, alternative income docs, and full-doc all accepted — a path for virtually every income type.
Designed for those rebuilding after a bankruptcy, short sale, or foreclosure with seasoning guidelines that outpace conventional programs.
Super jumbo loans up to $10M and specialty programs not available through any other single Non-QM lender in this funnel.
A Non-QM specialist program with a full suite of income documentation options.
Down to 580 FICO, bank statements, DSCR, or full doc — when others say no, we have a path to your equity.
Non-QM 2nd Lien · Any Income Type · Down to 580 FICO
A MortgageHouz specialist will contact you within one business day to review your NON-QM scenario.