Lendz Insights
Actionable lending insights to help mortgage brokers and LOs close more loans.
Featured Articles
Top insights and stories shaping today’s mortgage market.
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Foreign National Loan Down Payment Guide for Real Estate Buyers
Buying property in the U.S. as a foreign national doesn’t have to be complicated. This guide breaks down exactly how down payments work, what lenders look for, and the documentation international buyers need - even without U.S. credit, income, or tax returns.
Lendz Financial Earns Great Place to Work® Certification™
Lendz Financial has been officially Certified™ by Great Place to Work®, a prestigious recognition based entirely on confidential employee feedback. With 95% of team members affirming a high-performing, supportive workplace culture, the certification highlights Lendz Financial’s commitment to trust, collaboration, transparency, and professional growth.
DSCR Loans For Brokers: Benefits And Requirements
If you’re a mortgage broker helping investors expand their rental portfolios, a DSCR loan can open doors to more financing opportunities nationwide. Unlike traditional loans that rely on personal income verification, these loans focus on the property’s cash flow, making them ideal for real estate investors.
Case Studies
Real-world lending success stories from our clients.
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Second-Home in the Florida Keys, Approved When Everyone Else Said No
When a Florida Keys property was labeled as an investment instead of a second home, most lenders said no. Lendz said yes. In this case study, see how Lendz helped South Florida Lending Consultants secure a true second-home approval using a bank statement program with no tax returns required, minimal down payment, and a smooth close that led to multiple follow-on loans.
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5-Day CTC on a High LTV Cash-Out: Won on Speed and Program Fit
When a high-LTV cash-out refinance collided with a recent property listing, options were limited and time was tight. New Tech Mortgage Corp. partnered with Lendz to navigate program restrictions, deliver competitive pricing, and clear the loan in just five days - unlocking equity in time for the borrower’s next investment and proving that speed and flexibility still win tough deals.
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$700K Funded After a Bank Decline: Saved on Program Fit
When a Texas cash-out refinance was declined by a bank due to program and property restrictions, AMP Mortgage turned to Lendz for a smarter solution. By shifting the file from a P&L structure into a bank statement program that aligned with the borrower’s real income and existing seasoning, the deal moved forward without delays.
Non-QM Programs
Non-QM program insights to help brokers match borrowers with the right solution.
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1099 vs Bank Statement vs Profit and Loss Loans
Self-employed borrowers don’t usually struggle because of credit - they struggle because their income doesn’t fit traditional documentation rules. This guide compares 1099 loans, bank statement loans, and P&L loans, explaining how each option verifies income, when it makes the most sense, and how brokers can structure cleaner, smoother non-QM approvals.
What Is A 1099 Loan?
This guide breaks down who a 1099 loan is best for, how underwriting evaluates income, and the key rules brokers must confirm early - including the 2-year history requirement, the 80% YTD deposit test, and the 25% cap on income increases. When structured correctly, a 1099 loan offers brokers a clean, efficient path to approval for strong self-employed borrowers with real income but complex documentation.
How to Get Approved for WVOE Loans
Getting approved for a WVOE loan isn’t about skipping documentation—it’s about presenting a clear, verifiable employment and income story. This guide explains who qualifies for WVOE loans, how underwriters evaluate employment and deposits, common approval mistakes, and how brokers can structure files correctly from the start to avoid conditions and delays.
Broker Tips Non-QM Edition
Broker-focused tips and non-QM strategies to close more loans with confidence.
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The Pros And Cons Of Non-QM Loans
Buying a home or growing a real estate portfolio isn’t always simple when your income doesn’t fit traditional standards. Many borrowers with solid financial profiles are turned away because their paperwork doesn’t meet conventional guidelines.
How Many Bank Statements Do You Need for a Home Loan?
If you work with self-employed borrowers or clients who don’t fit neatly into the W-2 world, you already know that great income on paper doesn’t always mean easy financing. When their tax returns don’t reflect their real cash flow, a bank statement loan can be the bridge that gets the deal done.
