BFF is built for the loan files that need a lender who actually understands Non-QM. Bank statements, DSCR, foreign nationals, ITIN, DPA — if it makes sense, we find a way. Partner with us and give your borrowers options that actually close.
Approval Timeline
From application
to first submission
Most brokers need both applications — the standard package to originate residential loans, and the business purpose application to submit investment property and DSCR files. Complete both to unlock BFF’s full product suite.
BFF is selective about who we partner with. Here’s what we look for in the approval process.
We built BFF around one idea: brokers should have a wholesale lender that actually delivers. Here’s what that looks like in practice.
Bank statements, DSCR, P&L, 1099, asset utilization, FHA, VA, USDA, Fannie, Freddie, Jumbo, ITIN, DPA — one approved broker relationship gets you access to the full shelf, not a subset.
Scenarios get reviewed by people who know Non-QM cold. We don’t give you a canned decline — we tell you what would work, what the file needs, and whether we can find a path. Fast.
Every approved broker partner gets an assigned AE with a direct line. Not a call center. Not a queue. A person who knows your book and your borrowers, and is responsible for making it work.
Rate sheets posted by 9 AM PT daily. Quick Pricer available 24/7 for scenario pricing with all adjustors applied. No surprises at lock.
Three DSCR programs (1–4 unit, 5–8 unit, cross-collateral up to 25 properties), STRs eligible, no-ratio DSCR, and a dedicated DSCR pricing matrix. If your client invests in real estate, we have the product.
You can see where your file is. You get real answers about conditions. No unexplained holds, no hidden fees, no surprise stips the night before closing. We Deliver.
One approval unlocks BFF’s complete product shelf across all categories.
Here’s exactly what to expect after you hit submit.
Complete the DocuSign broker application (and business purpose addendum if submitting investment loans). Have your NMLS numbers, E&O certificate, and W-9 ready. DocuSign delivers everything to BFF instantly on completion.
Our team reviews your licensing, E&O insurance, and application completeness. If anything is missing or needs clarification, we reach out directly — we don’t just decline without explanation. Most approvals are completed within 1–2 business days.
You’ll receive an approval email with your broker portal login credentials. This gives you access to the loan submission portal, pipeline management, and rate lock functionality. Visit Portal Support for setup guides and video walkthroughs.
Your assigned AE will reach out to introduce themselves, confirm your approval, walk you through BFF’s products and programs, and answer any questions about the submission process. Use the AE Lookup tool to find your AE by state anytime.
Download today’s rate sheet, price the scenario in the Quick Pricer, register the loan in the portal, upload your documents, and submit. Your AE is available for pre-submission scenario reviews. We Deliver.
Most broker approvals are completed within 1–2 business days of receiving a complete application package. Completeness matters — if your E&O certificate is missing, your license number doesn’t match, or a form isn’t signed, we’ll contact you to resolve it, which can add time. The fastest path is the DocuSign version: complete everything in one session and BFF receives it instantly.
No — the standard broker application package covers primary residence, second home, and owner-occupied residential loans including Non-QM (bank statements, P&L, 1099, etc.), FHA, VA, USDA, Fannie Mae, Freddie Mac, Jumbo, and DPA programs. The business purpose addendum is only required if you intend to submit DSCR loans, investment property transactions, or other business purpose loans. You can add the business purpose application later if your book expands to include investment property.
No. There is no application fee, annual fee, or partnership fee to become an approved BFF wholesale broker. Approval is based entirely on your licensing, compliance, and professional qualifications. You earn compensation on each closed loan through the standard broker compensation model.
BFF is licensed in 31 states. You can view the complete list of licensed states with license types and numbers on the State Licensing page. New York is expressly excluded. For business purpose loans, some states have additional broker licensing requirements — download the Business Purpose License Requirement map for details.
BFF can be your first wholesale lender relationship. We don’t require existing wholesale experience. What we do require is an active mortgage broker license, E&O insurance, and NMLS compliance. If you’re newly established as a broker, your AE can walk you through the submission process step by step once you’re approved.
If you submitted a PDF application and haven’t received a response within 2 business days, contact portalsupport@bffws.com with your company name and NMLS number so we can locate your file. Common reasons for delays: missing E&O certificate, NMLS mismatch, or missing W-9. We’ll tell you exactly what’s needed and get it resolved quickly.
One set of credentials. The full BFF product shelf, Quick Pricer, rate sheets, turn times, and your AE — all in one place. Approved brokers are live typically within 1–2 business days.
Complete the broker application in under 15 minutes via DocuSign. Approval in 1–2 business days. We Deliver.
