Non-QM. 
Every Product One Click Away.

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.

Pricing engine may have trouble loading on Apple products. Please try another method if this is the case.

loanPASS
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

Non-QM

Series 3

Full Doc | Bank Statements | 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)

*Coming Soon* Non-QM

ITIN Series

Full Doc ITIN | Bank Statements ITIN

Bridge

Bridge Series

Bridge | Fix & Flip/Hold | Ground Up

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.

Credit Card Authorization
Signature Authorization
ACH
Business Narative

Bank Statements? 
Let Us Do The Math.

Tutorials. 
Our Videos Break It Down.

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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.

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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.

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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"

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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.

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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.

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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.

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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"

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How To Add Your Credit Provider

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.

1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"

Credit Provider Tutorial -User Logins

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.

1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"

Credit Provider Tutorial -Individual User Logins

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.

1. Select "Settings" on the main menu
2. Select "Actions"
3. Select the pencil tool next to "Credit Report"
4. Select the "Contacts" tab
5. Select the check box next to the credit provider you work with.
6. Make sure the credential source type is "company"
7. Enter your company's credentials
8. Select "Save Changes"
9. Select "Credit Report"
10. Select "Activate Action"
11. Select "Save Changes"

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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.

Program Flyers. 
Customize Them Your Way.

This Is Where We Lend. 
And We're Expanding Quick.

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Owner Occupied &
Business Purpose

Business Purpose
Only

We Do Not Fund
Loans Here, Yet

Mortgagee Clause. 
Quick Copy.

Reliable Holdings Manager, LLC
DBA Lendz Financial
ISAOA/ATIMA
19790 W Dixie Hwy Suite 104
Miami, FL 33180

Sign Up Here. 
Five Minutes & You're In.