Wholesale Lenders & Loan Programs
Partner with top national wholesale mortgage lenders. Offer your clients flexible rate options, diverse loan products, and fast approvals.
Comprehensive Wholesale Lending Options
MLO Financial Group maintains relationships with leading wholesale lenders, allowing our sponsored originators to find the ideal loan solution for almost any borrower scenario.
Conventional Loans
Standard Fannie Mae and Freddie Mac programs for primary residences, second homes, and investment properties with fixed and adjustable rates.
Key Features:
- Low down payment options
- Competitive pricing
- Primary, second home, investment
FHA Loans
Government-backed financing designed for first-time buyers or borrowers with modest credit scores and lower down payment requirements.
Key Features:
- 3.5% minimum down payment
- Flexible credit guidelines
- Streamline refinance options
VA Loans
Zero down payment mortgage loans for eligible active-duty military, veterans, and surviving spouses with competitive interest rates.
Key Features:
- 100% financing / $0 down
- No monthly mortgage insurance
- Flexible DTI ratios
Jumbo Loans
Higher balance loan solutions for luxury properties exceeding conforming loan limits, with competitive fixed and ARM options.
Key Features:
- High loan amounts
- Competitive wholesale rates
- Fixed & ARM options
Bank Statement Programs (Non-QM)
Alternative qualification for self-employed business owners using 12 to 24 months of personal or business bank statements instead of tax returns.
Key Features:
- No tax returns required
- 12 or 24-month bank statements
- Ideal for business owners
Specialty & Investor Non-QM
DSCR (Debt Service Coverage Ratio) investment loans, asset-depletion programs, and foreign national mortgage solutions.
Key Features:
- DSCR cash-flow qualification
- Foreign national programs
- Asset-based qualification
Run Your Own Loan Scenario
See how loan amount, compensation rate, and your commission split translate into real take-home earnings as a sponsored originator.
Estimate Your Commission Earnings
Adjust the loan scenario below to estimate per-loan commission, monthly earnings, and annual take-home as a sponsored MLO.
Originator comp in basis points of loan amount
Broker retains 20%
Projected Earnings
Estimates are for illustration only and do not guarantee earnings. Actual commissions depend on lender compensation, loan program, split agreements, and market conditions.
Inquire About Wholesale Lender Access
Want details on our approved lender list, daily rate lock portals, or Non-QM guidelines?