Broker Resources

Standard doc

Bank statements

P&L only

WVOE only

1099 only

Asset utilization

DSCR (1-4)

DSCR (5-8)

Cross collateral

Foreign national

Seconds

Quick scroll

Guides & actions

Pricing engine

Loan forms

Tutorials

Turnaround times

Where we lend

Mortgagee clause

LendingPad login

Broker sign up

Contact support

support@lendzfinancial.com 1-305-901-0714

Non-QM.

Every product one click away.

Series Z Series 1 Series 2 Series 3 Series 4 Series 5 Series 6 Series 7

Loan actions

Easy Submit

New

Submit your loan and upload docs in 3 minutes or less.

Submit a loan change

Request a closing/CD

Bank statement review

Pre-Qual request

Order an appraisal

Easy starts here

Select a series or action to the left or an income type above for more information.

Standard Doc

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

Series 7

No tradeline requirement w/ 3 credit scores
Non-perm up to 90% LTV
DTI up to 55%
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Bank statements

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

Series 7

No tradeline requirement w/ 3 credit scores
Business or personal
50% standard expense
Min 10% expense with accountant letter
Non-perm up to 90% LTV
Unlimited cash-in-hand
3 month cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

P&L only

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

No tradeline requirement w/ 3 credit scores
No bank statements
12 or 24 months accepted
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
3 months cash-out seasoning allowed
SFR, condotels, condos, studios, 2-4
Loan amounts up to $3m
CPA, EA, CTEC, PTIN

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

We will condition for:

Signed letter from CPA/Tax Preparer confirming that they prepared the borrowers most recent tax returns. Additionally, the letter needs to address the nature of the business, % of ownership, and the date established.

Asset utilization

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

No tradeline requirement w/ 3 credit scores
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m
100% of checking, savings, money market
70% of stocks, bonds, mutual funds
Divide by 84

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

DSCR (1-4 residential units)

Series Z _(≥0.75)

Series 1 _{(No Ratio)}

Series 2 _(≥0.75)

Series 3 _(≥0.75)

Series 4 _(≥0.75)

Series 5 _(≥0.75)

Series 6 _{(No Ratio)}‍

Series 7 _(≥1.00)

No deposit sourcing
No minimum DSCR ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
Unlimited cash in hand ≤65% LTV
SFR, condos, 2-4 up to 80% LTV
Condotels and studios up to 75% LTV
2 months reserves
3 months cash out seasoning
Cash-out used for reserves
AIR DNA & STR income accepted
Loan amounts up to $3.5m
Unlimited 30 days lates allowed
Vacant properties allowed
Rural up to 20 acres allowed

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Foreign national

Series Z

Series 1

Series 2

Series 4

Series 6

Bank statement and P&L up to 80% LTV
DSCR ≥ 1 up to 75% LTV
No DSCR ratio up to 65% LTV
6 months reserves
No deposit sourcing
No credit reference letters
No asset seasoning in US account
No visa
Loan amounts up to $2m
Condotels, studios, condos, 2-4 up to 70% LTV
ITIN borrowers allowed
No 3rd party primary address verification

Unexpired Passport

(if applicable)

Purchase contract

(if applicable)

Complete loan application

(DO NOT include income & employment information.)

Submission form completed

Copy of lease agreement(s)

(if applicable)

1099 only

Series Z

Series 1

Series 2

Series 4

Series 5

Series 6

No tradeline requirement w/ 3 credit scores
1 or 2 years - 1099 or transcripts
12/24 month average minus expense ratio
Non-perm up to 80% LTV
Unlimited cash-in-hand
3 months cash-out seasoning allowed
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

DSCR (5-8 residential unit) & 2-8 mixed use)

Series 1

No deposit sourcing
Min DSCR of 1
No tradeline requirement w/ 3 credit scores
$1m cash in hand
Cash-out up to 65% LTV
Commercial space <50% allowed
Loan amounts up to $2m

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

DSCR (Cross collateral)

Series 1

Series 6

No deposit sourcing
Min DSCR of 1.2
No tradeline requirement w/ 3 credit scores
Unlimited cash-in-hand
Minimum per property balance $50k
Minimum of 3 properties
Maximum of 25 properties
Cash-out up to 65% LTV

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

WVOE only

Series Z

Series 1

Series 2

Series 4

Series 5

Series 6

No tradeline requirement w/ 3 credit scores
No tax return, W2, or paystubs
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, 2-4
Loan amounts up to $3m
2 months bank statements required

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Closed end seconds

Series 1

Series 3

Series 5

Series 6

Cash-out used for reserves
Loan amounts up to $500k
Combined loan amount up to $5m
Standard doc, bank statements, P&L, WVOE, & 1099 income types
Primary, second homes, and investment
AVM only for loan amounts <$250k
Non-permanent residents allowed

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Complete loan application

(including income & employment)

Submission form completed

Rapid fire pricing. Crank out scenarios.

This version of the pricing engine may generating pricing scenarios outside of guideline restrictions.
Please refer to the matrices below or LendingPad to establish official product eligibility.

loanPASS

This pricing engine is intended to be used as a tool for licensed mortgage and real estate professionals only and is not intended to be utilized by potential borrowers or by the general public. The information does not take into consideration borrower’s personal financial situation, verified credit score, income, existing debt, or other factors. Pricing is not considered to be final until registered and approved through LendingPad LOS, underwriting, and lock desk confirmation. This is not a commitment to lend. The non-binding quotes are not official Loan Estimates under Reg. Z. Lendz Financial is an equal opportunity lender. Rate, terms and programs subject to change without notice. Full eligibility to be determined by guidelines, rate sheets, and matrices.

Need calculations? We got you.

Need a form? You can find it here.

Tutorials. Our videos break it down.

Video tutorial

Import Your MISMO 3.4

View

How To

Import Your MISMO 3.4

1. Select "Pipeline" in the main menu

2. Select "Import"

3. Make sure the Lender, File Format, and Branch are correct.

4. Select the file(s) you would like to upload by either dragging and dropping or by clicking the the "select files(s) from your computer" link.

5. Select "Import New Loan"

6. The new loan number were show up in a dialog box on the bottom right hand corner of the screen.

7. Select "Search"

8. Click the loan number of the loan you just imported.

How To

Import Your MISMO 3.4

One Company Login User Logins Individual User Logins

Credit Provider Tutorial - How to add one company login

Credit Provider Tutorial -User Logins

Credit Provider Tutorial -Individual User Logins

Video tutorial

Order An Appraisal

View

How To

Order An Appraisal

Option 1:

Locate the actions menu and select "Request for Appraisal" in our LOS and follow the steps in the video below.

Make sure to include the contract for entry information: Name, Phone Number, and E-mail Address.

Option 2:

‍

How To

Order An Appraisal

One Company Login User Logins Individual User Logins

Credit Provider Tutorial - How to add one company login

Credit Provider Tutorial -User Logins

Credit Provider Tutorial -Individual User Logins

Video tutorial

Upload A Condition

View

How To

Upload A Condition

Expand the "Documents" Tab.
Select "add new documents".
Select the one or multiple files.
Label the document(s) type and name.
Select the condition you would like to attach the document to.
Select "Add New Documents" to upload the documents.

How To

Upload A Condition

One Company Login User Logins Individual User Logins

Credit Provider Tutorial - How to add one company login

Credit Provider Tutorial -User Logins

Credit Provider Tutorial -Individual User Logins

Video tutorial

Add A Credit Provider

View

How To

Add A Credit Provider

How To

Add A Credit Provider

One Company Login User Logins Individual User Logins

Credit Provider Tutorial - How to add one company login

This section shows system administrators how to add their credit provider login. This method is for brokerages that only have ONE login for the entire company.

If your brokerage has one set of credentials with your credit provider that everyone uses, follow the steps below.

‍

Select "Settings" on the main menu
Select "Actions"
Select the pencil tool next to "Credit Report"
Select the "Contacts" tab
Select the check box next to the credit provider you work with.
Make sure the credential source type is "company"
Enter your company's credentials
Select "Save Changes"
Select "Credit Report"
Select "Activate Action"
Select "Save Changes"

Credit Provider Tutorial -User Logins

This section shows system administrators how to setup their account so that loan officers can merge/pull credit using their unique credit credentials.

If each loan officer at your brokerage has their own credentials with your credit provider, follow the steps below.

‍

Select "Settings" on the main menu
Select "Actions"
Select the pencil tool next to "Credit Report"
Select the "Contacts" tab
Select your credit provider
Select "User" from the drop down menu next to the credit provider.
Scroll up and select "User" from the drop down menu next to the "Set Credentials Source Type To All Contacts" button.
Click the "Set Credentials Source Type To All Contacts"
Select "Confirm"
Select "Save Changes"
Select "Credit Report"
Select "Activate Action"
Select "Save Changes"

Credit Provider Tutorial -Individual User Logins

This section is to show loan officers, processors, and other non-system admin users how to add their credit provider credentials.

This will allow you to merge existing credit reports into the system.

‍

Select your name on the top right hand corner.
elect "Profile"
Select "Edit Profile"
Select "Actions"
Enter your credit provider credentials
Select "Save Changes"

Video tutorial

Add Loan Officer To LendingPad

View

How To

Add Loan Officer To LendingPad

Select "Settings" from the main menu
Select "Users"
Select "Invite New Users"
Enter the e-mail address of the user(s) you would like to add
Select "Add to List"
Enter their first and last name.
Select their user role in the dropdown next to "Add New User Role"
Select the branch they are a part of
Select "+ Invite New Users"
Select "Settings" from the main menu
Select "Users Licenses"
Select the pencil icon next to the name of the loan officer you just added
Enter their NMLS ID
Select "Add License"
Add any licenses that will be necessary for origination.
Click "Save Changes"

How To

Add Loan Officer To LendingPad

One Company Login User Logins Individual User Logins

Credit Provider Tutorial - How to add one company login

Credit Provider Tutorial -User Logins

Credit Provider Tutorial -Individual User Logins

Turnaround times. We keep it moving.

hrs

Initial underwriting

hrs

Initial disclosures

hrs

Condition review

hrs

Redisclosures

hrs

CTC review

hrs

QC

hrs

Closing

This is where we lend. And we're expanding quick.

Washington DC

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Alabama

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Alaska

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Arizona

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Arkansas

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

California

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Colorado

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Connecticut

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Delaware

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Florida

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Georgia

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Hawaii

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Idaho

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Illinois

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Indiana

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Iowa

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Kansas

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Kentucky

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Louisiana

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Maine

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Maryland

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Massachusetts

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Michigan

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Minnesota

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Mississippi

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Missouri

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Montana

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Nebraska

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Nevada

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

New Hampshire

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

New Jersey

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

New Mexico

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

New York

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

North Carolina

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

North Dakota

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Ohio

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Oklahoma

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Oregon

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Pennsylvania

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Rhode Island

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

South Carolina

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

South Dakota

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Tennessee

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Texas

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Utah

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Vermont

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Virginia

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

Washington

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

This is some text inside of a div block.

West Virginia

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

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Wisconsin

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

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Wyoming

Owner Occupied Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Business Purpose Loans

(License Required)

(License Not Required)

Lendz does not fund loans here yet

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Mortgagee clause. Quick copy.

Reliable Holdings Manager, LLC DBA Lendz Financial
ISAOA/ATIMA 888 East Las Olas Blvd Suite 301 Fort Lauderdale, FL 33301

Copy

Non-QM.

Easy starts here

Standard Doc

Standard doc loans

Bank statements

Bank statements loans

P&L only

Profit & loss only loans

Asset utilization

Asset utilization loans

DSCR (1-4 residential units)

DSCR 1-4 loan program

Foreign national

Foreign national loan

1099 only

1099 loan program

DSCR (5-8 residential unit) & 2-8 mixed use)

DSCR loans (5-8 units & 2-8 mixed use)

DSCR (Cross collateral)

Cross collateral loan

WVOE only

Written verification of employment

Closed end seconds

Closed end second loan

Series Z

Series 1

Series 2

Series 3

Series 4

Series 5

Series 6

Series 7

Rapid fire pricing. Crank out scenarios.

Need calculations? We got you.

Need a form? You can find it here.

Business purpose affidavit

Limited review questionnaire

Full condo questionnaire

Credit card authorization

Signature authorization

ACH

Business narative

Borrower contact consent

Tutorials. Our videos break it down.

Import Your MISMO 3.4

Order An Appraisal

Upload A Condition

Add A Credit Provider

Add Loan Officer To LendingPad

Turnaround times. We keep it moving.

Initial underwriting

Initial disclosures

Condition review

Redisclosures

CTC review

QC

Closing

This is where we lend. And we're expanding quick.

Mortgagee clause. Quick copy.

Reliable Holdings Manager, LLC DBA Lendz Financial ISAOA/ATIMA 888 East Las Olas Blvd Suite 301 Fort Lauderdale, FL 33301

Reliable Holdings Manager, LLC DBA Lendz Financial
ISAOA/ATIMA 888 East Las Olas Blvd Suite 301 Fort Lauderdale, FL 33301