Business Details
Your Trusted Mortgage Broker in Santa Barbara, CA
MORTGAGE WHOLESALE operates as a direct-to-consumer wholesale mortgage broker, offering clients access to competitive mortgage rates without intermediaries. Our expertise spans a wide range of loan programs, including self-employed mortgages, jumbo loans, conventional loans, and non-qualified mortgage options tailored to unique financial scenarios. We specialize in simplifying complex mortgage processes for residential and commercial properties, ensuring clients receive personalized solutions aligned with their specific needs.With decades of combined experience in mortgage lending, our team prioritizes transparency, efficiency, and client education throughout the loan origination process. We maintain strong relationships with secondary market lenders to facilitate seamless transactions, typically completed within 90 days of origination.
Services
Self-Employed Mortgages
Jumbo Loans
Conventional Loans
Bank Statement Loans
Stated Income Loans
Private Money Loans
Asset Depletion Loans
Portfolio Loans
FHA Loans
VA Loans
Highlights and features
- We offer the largest selection of self-employed mortgage programs available online
- Our direct-to-consumer model eliminates intermediaries for wholesale pricing
- We specialize in non-qualified mortgage solutions for unique financial scenarios
- Our team has decades of combined experience in mortgage lending
- We provide transparent loan processes with no hidden fees
Associations and certifications
- NMLS
Services
Self-Employed Mortgages
Specialized mortgage solutions for self-employed individuals using bank statements or stated income verification. Ideal for business owners, independent contractors, and commission-based earners who need flexible income documentation. Our programs accommodate complex financial scenarios while maintaining competitive rates and terms.
Jumbo Loans
Mortgage options exceeding conforming loan limits with amounts up to $10 million. Available for primary residences, second homes, and investment properties with fixed or adjustable-rate terms. No mortgage insurance required for qualified borrowers seeking premium financing solutions.
Bank Statement Loans
Income verification through 12-24 months of personal or business bank statements. Suitable for primary residences, investment properties, and commercial real estate transactions. Offers flexible terms including fixed, adjustable, and interest-only options for qualified applicants.
Private Money Loans
Short-term financing solutions for fix-and-flip or investment properties with rapid closing times (5-10 days). No income verification required, available for residential and commercial properties up to $10 million with flexible repayment terms.
Asset Depletion Loans
Mortgage programs utilizing liquid assets for qualification instead of traditional income documentation. Designed for high net worth individuals with substantial savings who need financing for primary residences or investment properties with simplified underwriting processes.
Questions
What mortgage loan types do you offer?
We offer self-employed mortgages, jumbo loans, conventional loans, bank statement loans, stated income loans, private money loans, asset depletion loans, portfolio loans, FHA loans, and VA loans.
How does your wholesale mortgage process work?
As a direct-to-consumer wholesale broker, we connect borrowers directly with wholesale lenders, eliminating intermediaries to provide competitive rates while maintaining transparency throughout the 90-day average transaction period.
Do you offer no tax return mortgage options?
Yes, we specialize in no tax return mortgages for business owners, investors, commission salespeople, and independent contractors using bank statements or asset depletion methods for qualification.
Can I get financing for commercial properties?
Yes, we provide financing for commercial properties including 5+ units, mixed-use buildings, retail spaces, offices, warehouses, self-storage facilities, and automotive properties.
What documentation is required for non-QM loans?
Non-QM loan requirements include driver's license, SS cards, address history, employment verification, bank statements (12-24 months), business licenses, and property documentation like leases or mortgage statements.
How quickly can you close a mortgage transaction?
Our private money loan programs can close transactions in 5-10 days, while conventional mortgage transactions typically close within standard industry timelines.
