Every borrower has unique needs. We help you provide the right Non-Qm loans for each borrower.

About HomeXpress Mortgage Wholesale Lenders

HomeXpress Mortgage is a fast growing wholesale lender in the non-QM mortgage market.

 

Founded by a group of mortgage professionals, HomeXpress Mortgage has a long history of providing flexible solutions to borrowers who don’t fit into Prime/Qualified Mortgage loans.

 

Our Account Executives work with Loan Brokers and Loan Officers on a daily basis, helping you analyze borrower needs and qualifying borrowers. We structure loans and provide solutions for borrowers who have not found success through traditional lenders or government automated underwriting methods. Our experienced staff, from our dedicated Account Managers to our top management, is here to help you provide the best service for your clients.

 

Our business revolves around Speed, Ease and Convenience with a personal touch.

We Look at the Bigger Picture

Not everyone fits into the strict underwriting matrices found in conventional or government mortgage programs. We have several programs, including Non-Mm and bank statement only loans, geared towards self-employed individuals, borrowers with recent credit issues, and property investors.

Non-QM Loans in 4 Easy Steps:

1. Follow our easy broker approval process to get started

 

2. Submit your client’s loan application package to your assigned highly trained Account Executive for consideration.

 

3. We underwrite the file quickly.

 

4. Brokers can track non-qm loan status every step of the way, through our Broker Portal

Non-Qualified Mortgage Programs

We have several programs to choose from, depending on your customer’s homeownership goals and credit history.

 

 

  • PrimeX Lowest rates for consumers who nearly qualified for a traditional loan but for some reason “fell out” of that process.

 

  • CoreX Allow borrowers with a FICO score as low as 500 to obtain a refinance or purchase a home.

 

  • InvestorX FULL/ALT For investors who can show income via tax returns or pay stubs.

 

  • InvestorX DSCR A no income verification, business purpose loan for property investment and real estate businesses. Qualification for a DSCR loan is based on the cash flow for the property.

 

Explore our rate sheets and programs for further details about each of our  products or give us a call and talk to your dedicated Account Executive to discover the best options for your customers.

We’re Committed to Providing the Best Service

HomeXpress has built a great reputation in the Non-QM mortgage space by offering consistently superior service. Our experienced staff, from our dedicated Account Managers to our top management, is here to help you provide the best service for your clients.

 

See which states HomeXpress Mortgage is licensed to lend in, here.

 

Technology

Through our BrokerX Portal, receive alerts about new and major milestones, such as underwriting and clearances, and view mortgage status in real-time. Your Account Executive will always be available when you need to talk, but the portal helps you submit additional documentation and check in on status quickly and independently.

 

Tools & Resources

Please feel free to explore our free Tools & Resources on the website. Learn about our lender fees, make calculations and learn a more about our approval process and partnerships. While you’re at it, view more information about our BrokerX portal. It’s a tool that will help keep you organized and up-to-date as a HomeX Approved Broker.

Become an Approved Broker

Our business is built upon responsible lending. If you have been in the business for at least two years as an licensed  – broker and would like to provide your customers with Non-Qm or bank statement only loans, apply to become a HomeXpress Mortgage approved broker today.

 

Contact us today at 714-598-1430  or email us at [email protected] We’re here to help you identify the right loan program  for your brorrower .