Non-QM. Every Product One Click Away.
Series 1
Full Guidelines
Series 2
Full Guidelines
Series 3
Platinum & Gold
Series 3
DSCR Guidelines
Series 4
*COMING SOON*
Series 5
DSCR Guidelines
ITIN Series
*COMING SOON*
Jumbo Series
*COMING SOON*
2nd Series
*COMING SOON*
Bridge Series
*COMING SOON*
Standard Docs
1 or 2 Years
Bank Statements
12 or 24 Months
P&L Only
CPA or Tax Prep
WVOE Only
2 Years No W2s
1099 Only
2 Years No 1040s
Asset Utilization
Divide by 84m
DSCR (1-4 Units)
No Minimum Ratio
DSCR (5+ & Mix Use)
Small Commercial
Cross Collateral
3+ Properties
Foreign National
DSCR
ITIN
Standard or Bank Stmt
Prime Jumbo
Above Conforming Limit
Second Mortgage
Standard or Bank Stmt
Bridge
Short Term
Fix & Flip
Short Term
Ground Up
Short Term
Every income type. Scroll away.
1 or 2 Years
Standard Docs
12 or 24 Months
Bank Statements
CPA or Tax Prep
P&L Only
2 Years No W2s
WVOE Only
2 Years No 1040s
1099 Only
Divide by 84m
Asset Utilization
No Minimum Ratio
DSCR (1-4 Units)
Small Commercial
DSCR (5-8 & Mixed Use)
3-25 Properties
Cross Collateral
Income & DSCR
Foreign National
Bridge
Short Term
Fix & Flip
Short Term
Ground Up
Short Term
Rapid Fire Pricing. Crank Out Scenarios.
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This pricing engine is intended 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. 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.
Rates and Matrices. Old School Pricing.
Non-QM
Series 1
Full Doc | Bank Statements | P&L Only | WVOE | 1099 | Asset Utilization | DSCR | DSCR 5-8 | DSCR Blanket | Foreign National (Standard and DSCR)
Non-QM
Series 2
Full Doc | Bank Statements | 1099 | DSCR | Foreign National DSCR
*Coming Soon* Non-QM
Series 4
Full Doc | Asset Utilization | Bank Statements | DSCR
Non-QM
Series 5
DSCR 1-4 | DSCR 5-10 | DSCR Cross Collateral | Foreign National DSCR
* Manual Lock Only + Higher of 10bps or $500 Lock-in Fee (Refunded at Closing)
Ready To Submit? You can do that here.
Not sure what you need to submit? Click an income type.
Standard Docs
Bank Statements
P&L Only
1099 Only
WVOE Only
Asset Utilization
DSCR
Foreign National
Need A Form? You Can Find It Here.
Bank Statements? Let Us Do The Math.
Tutorials. Our Videos Break It Down.
How to Import Your MISMO 3.4 File
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 Register A Loan
1. Select the "additional tab".
2. Select the "income verification type" that matches your loan product.
3. Select "Register Loan with Lendz Financial".
4. Select the product type.
5. Select the price.
How To Submit A Loan
1. Make sure the completed checklist and any required documents associated with your loan program are uploaded to the file you would like to submit. (See the "Checklists" tab on the Wholesale Resources page to find the applicable form).
2. Select "Actions"
3. Click "Submit to Lender"
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:
Sign up with one of the AMCs below and order the appraisal yourself.
How To Upload A Condition
1. Expand the "Documents" Tab.
2. Select "add new documents".
3. Select the one or multiple files.
4. Label the document(s) type and name.
5. Select the condition you would like to attach the document to.
6. Select "Add New Documents" to upload the documents.
How To Fix:
The First Time Homebuyer Error On Investment Loans
1. Select "Loan Application"
2. Select "Declarations"
3. Select "Edit"
4. Press the radio button on line "A. Will you occupy the property as your primary residence?"
5. Press the radio indicating that the borrower has had ownership interested in the last three years.
6. Specify the type of access.
7. De-select the radio button on line "A. Will you occupy the property as your primary residence?"
8. Information regarding the type of property owned should remain.
How To Submit A Change of Circumstance
1. Log into the Lendz Loan Origination System
2. Select the loan you would like to issue a change of circumstance for.
3. Select "Actions"
4. Select "Send to Lock Desk"
5. Describe the change of circumstance in the text field.
6. Click "Send to Lock Desk"
How To Add Your Credit Provider
Credit Provider Tutorial - How to add one company login
Credit Provider Tutorial -User Logins
Credit Provider Tutorial -Individual User Logins
How To Add Loan Officers To Your Account
1. Select "Settings" from the main menu
2. Select "Users"
3. Select "Invite New Users"
4. Enter the e-mail address of the user(s) you would like to add
5. Select "Add to List"
6. Enter their first and last name.
7. Select their user role in the dropdown next to "Add New User Role"
8. Select the branch they are a part of
9. Select "+ Invite New Users"
10. Select "Settings" from the main menu
11. Select "Users Licenses"
12. Select the pencil icon next to the name of the loan officer you just added
13. Enter their NMLS ID
14. Select "Add License"
15. Add any licenses that will be necessary for origination.
16. Click "Save Changes"
Turnaround Times. We keep it moving.
24hrs - Initial Underwriting
24hrs - Initial Disclosures
48hrs - Condition Review
24hrs - Redisclosures
4hrs - CTC Review
24hrs - Closing
Exceptions. Lending outside of the guidelines.
Click Here To Request An Exception
Program Flyers. Customize Them Your Way.
