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Not just any lender, theLender!
theLender is a national mortgage lender offering a wide variety of financing options. Built by industry veterans, we underwrite standard and complex situations and close on schedule.
Need a home loan?
Work directly with our retail lending team. Get a rate, submit an application, and close with a team that picks up the phone.
- ✓Purchase, refinance, and cash-out for owner-occupied and investment properties
- ✓FHA, VA, DSCR investor loans, Non-QM, and bank statement mortgages
- ✓Self-employed and alternative income mortgage programs
- ✓Full suite of alternative documentation qualification options
- ✓Licensed loan analysts who answer the phone
- ✓Direct lender closings with no middleman
Placing a loan for your client?
Submit through a dedicated wholesale channel built exclusively for licensed mortgage professionals. Separate team, separate relationships, no retail crossover.
- ✓theNONI, NONI58, and full Non-QM lineup of exclusive broker products
- ✓QM products, CalHFA, SnapLOC, DSCR, and FNMA/FHLMC seller/servicer
- ✓Submit via theSpot and price instantly with QuickPricer
- ✓Daily rate updates, monthly specials, and dedicated AE support
- ✓Common-sense underwriting guidelines built for real-life scenarios
- ✓Your broker relationship stays protected, never shared with retail
Loans Offered by TheLender
From DSCR investor programs to FHA and conventional, theLender underwrites and funds in-house across 48 states.
Loan products that qualify on property income, not personal tax returns. Built for real estate investors who hold, scale, or manage rental portfolios.
Income documentation programs for borrowers who do not fit conventional qualification standards. Self-employed, contractor, asset-heavy, and gig income are all accepted.
Government-backed and conventional products for borrowers who qualify through standard income documentation. FNMA and FHLMC seller/servicer approved.
What investors say