BFF has a loan for every home. Non-QM: Bank Statements · P&L · 1099 · DSCR · ITIN · Foreign Nationals · 5-8 Unit Multifamily · Blanket Loans (2–25 Properties) · AND MORE! Agency & Government: FHA · VA · USDA · Manual Underwriting · No Overlays · Conventional · DPAs — 100% Financing · Second Mortgages. Whether your client is in the box or out, we have the programs and Team to get your deals done!
Non-QM and QM wholesale lending. Pick a lane — or run them all.
No tax returns required. Qualify on bank statements, DSCR, assets, 1099s, P&L, and more.
Conventional, FHA, VA, USDA, Jumbo, DPA, ITIN, and Home Equity — fully qualified programs with clean guidelines.
Most files get an initial decision within 48 hours. Your deals don't die while waiting for an answer.
One Account Executive who knows your book. Not a call center. Not a ticket queue.
Non-QM, agency, government, DPA, specialty. If there's a path to approval, we have the product.
We lend coast to coast. Wherever your clients are buying, we're probably licensed there.
No upfront fees to get approved. We make money when your deals close — just like you do.
We've stripped out the friction so you can focus on your clients, not paperwork.
Complete a simple broker approval form. Most approvals come back within 24 hours. No fees.
Use our Quick Pricer or call your AE. We'll tell you what we can do — fast, no guessing.
Use the Broker Portal to submit docs. Your AE stays looped in the whole way through.
We work hard to hit the closing table on time. Happy client. Referral earned. We Deliver.
“I had an investor with six rentals and a complicated tax return. BFF had a DSCR approval back in 36 hours — no drama, clean conditions. That client has already sent me two referrals.”
“My self-employed clients kept getting denied everywhere else. BFF's bank statement program changed that. The AE walked through the scenario before I even submitted — that kind of support is rare.”
“Foreign national buyer, 30-day close. BFF was the only lender willing to take it seriously. Closed on time. That one deal covered six months of my marketing budget.”
Brokers First Funding (NMLS #243082) operates exclusively in the wholesale channel — we never compete with brokers by originating retail loans. Since 2010, we've been 100% focused on empowering mortgage brokers with competitive programs, fast turn times, and dedicated Account Executives. Our wholesale-only model means your client relationships stay yours.
Getting approved is straightforward. Complete our broker approval application online, submit your NMLS license credentials and E&O insurance, and our team typically processes approvals within 1–2 business days. Once approved, you'll be assigned a dedicated Account Executive who will walk you through our product suite and submission process.
Our standard Non-QM underwriting turn time is 24–48 hours for initial CTC decisions on complete files. DSCR and Bank Statement loans typically come back within 36 hours. We publish our live turn times in the Broker Portal so you can set accurate expectations with your clients before you submit. Rush requests can be discussed with your AE.
A Debt Service Coverage Ratio (DSCR) loan qualifies the borrower based on the rental income of the investment property — not their personal income or tax returns. It's ideal for real estate investors with multiple properties, complex tax structures, or self-employment income that doesn't reflect their true cash flow. BFF offers DSCR for 1–4 unit, 5–8 unit, and mixed-use properties.
Brokers First Funding is committed to minimal overlays on government-backed programs. We follow agency guidelines as written so you can close the loans other lenders turn away. Our underwriting team focuses on getting deals done rather than adding unnecessary restrictions. Confirm specific program guidelines with your AE for the most current overlay matrix.
Brokers First Funding is licensed in 39+ states across the continental United States. Our license list is updated regularly and available in the Broker Portal. We are headquartered in Costa Mesa, CA (3100 Bristol St, Suite 100, Costa Mesa, CA 92626) and actively expanding our licensed state coverage to serve more broker partners nationwide.
Yes. Our Bank Statement loan program is designed specifically for self-employed borrowers who show strong deposits but have low taxable income on their returns. We accept 12 or 24 months of personal or business bank statements to document income. Loan amounts up to $4M, LTVs up to 90%, and FICO requirements starting at 620 depending on the scenario.
Join the brokers who trust BFF to handle their most challenging scenarios — Non-QM and QM.
