# Brokers First Funding

> Brokers First Funding (FlexPoint, Inc. DBA Brokers First Funding) is a wholesale mortgage lender offering broker-first lending programs across the United States. NMLS #243082.

- **Phone**: (866) 226-2205
- **Email**: info@bffws.com
- **Address**: 3100 Bristol Street, Suite 100, Costa Mesa, CA 92626
- **Hours**: Monday – Friday: 9:00 AM – 6:00 PM ET

## Key Pages

- [Home](https://bffws.com/): Corporate home page with an overview of programs, mission, and broker resources.
- [Programs](https://bffws.com/programs): Full catalog of available wholesale mortgage loan programs.
- [Why BFF](https://bffws.com/why-bff): The value proposition for brokers partnering with Brokers First Funding.
- [Partner With Us](https://bffws.com/become-a-broker-partner): How mortgage brokers can get approved to work with BFF.
- [Find My AE](https://bffws.com/find-my-ae): Locate your Account Executive by state or region.
- [States](https://bffws.com/states): Overview of all states where BFF is licensed to lend.
- [Resources](https://bffws.com/resources): Broker resources including daily rates, turn times, flyers, and the glossary.
- [Daily Rates](https://bffws.com/resources/daily-rates): Current wholesale mortgage rate sheets.
- [Turn Times](https://bffws.com/resources/turn-times): Current loan processing and underwriting turn times.
- [Flyers](https://bffws.com/resources/flyers): Broker-facing marketing flyers for BFF programs.
- [Glossary](https://bffws.com/resources/glossary): Mortgage industry glossary of terms.
- [Broker Portal Support](https://bffws.com/resources/portal-support): Help and documentation for the broker loan submission portal.
- [Blog](https://bffws.com/blog): Articles on mortgage trends, program updates, and broker tips.
- [Events](https://bffws.com/events): Upcoming webinars, training sessions, and industry events.
- [Team](https://bffws.com/our-team): Meet the BFF leadership and account executive team.
- [Careers](https://bffws.com/careers): Open job positions at Brokers First Funding.
- [Contact](https://bffws.com/contact-us): Contact form and office information.
- [Mission](https://bffws.com/mission): Company mission, values, and story.
- [Licensing](https://bffws.com/licensing): State licensing information and NMLS disclosures.
- [Broker Portal Login](https://bffws.com/broker-portal): Login to the BFF broker submission portal.

## Loan Programs

- [Bank Statement](https://bffws.com/programs/bank-statement): Income verified through bank deposits — built for the self-employed
- [DSCR (1-4 Unit)](https://bffws.com/programs/dscr): Qualify on the rent, not the W-2 — ideal for real estate investors
- [DSCR (5-8 Multifamily)](https://bffws.com/programs/dscr-multifamily): Multi-family and mixed-use DSCR financing for experienced investors
- [Cross Collateral DSCR](https://bffws.com/programs/cross-collateral): Bundle 2 to 25 investment properties into one blanket DSCR loan
- [Full Doc Non-QM](https://bffws.com/programs/full-doc): Full documentation with Non-QM flexibility — when agency says no
- [1099](https://bffws.com/programs/1099): Income verified through 1099s — perfect for independent contractors and gig workers
- [Asset Utilization](https://bffws.com/programs/asset-utilization): Qualify using liquid assets instead of traditional income documentation
- [P&L Statement](https://bffws.com/programs/pl-statement): Qualify self-employed borrowers on a CPA-prepared profit and loss statement
- [ITIN](https://bffws.com/programs/itin): Homeownership for borrowers without a Social Security Number
- [Foreign National](https://bffws.com/programs/foreign-national): Investment property financing for non-U.S. residents — foreign credit accepted
- [Closed-Ended 2nd](https://bffws.com/programs/home-equity): Closed-end second mortgage — access equity without touching the first
- [HELOC](https://bffws.com/programs/heloc): Home Equity Line of Credit — variable rate revolving credit backed by your home's equity
- [Jumbo](https://bffws.com/programs/jumbo): High-balance financing above conforming loan limits
- [Fannie Mae](https://bffws.com/programs/fannie-mae): Conventional conforming and high balance — DU Approve/Eligible
- [Freddie Mac](https://bffws.com/programs/freddie-mac): Conventional conforming and super conforming — LPA Accept/Eligible
- [FHA](https://bffws.com/programs/fha): Government-insured FHA — no overlays, HUD Handbook 4000.1 direct
- [VA](https://bffws.com/programs/va): 100% financing for veterans and active service members — no PMI, no down payment
- [USDA](https://bffws.com/programs/usda): Zero down payment, 100% financing for eligible rural and suburban properties
- [CalHFA Conventional](https://bffws.com/programs/calhfa-conventional): California DPA — HFA Preferred first + MyHome deferred second, zero out of pocket
- [CalHFA Government FHA](https://bffws.com/programs/calhfa-fha): California FHA DPA — FHA first at 96.5% LTV + MyHome deferred second, 640 FICO
- [BFF DPA Program](https://bffws.com/programs/bff-dpa): FHA 100% financing with BFF's proprietary second mortgage — no first-time homebuyer requirement

## Licensed States

[Alabama](https://bffws.com/states/alabama), [Alaska](https://bffws.com/states/alaska), [Arizona](https://bffws.com/states/arizona), [Arkansas](https://bffws.com/states/arkansas), [California](https://bffws.com/states/california), [Colorado](https://bffws.com/states/colorado), [Connecticut](https://bffws.com/states/connecticut), [Delaware](https://bffws.com/states/delaware), [District of Columbia](https://bffws.com/states/district-of-columbia), [Florida](https://bffws.com/states/florida), [Georgia](https://bffws.com/states/georgia), [Hawaii](https://bffws.com/states/hawaii), [Idaho](https://bffws.com/states/idaho), [Illinois](https://bffws.com/states/illinois), [Indiana](https://bffws.com/states/indiana), [Iowa](https://bffws.com/states/iowa), [Kansas](https://bffws.com/states/kansas), [Kentucky](https://bffws.com/states/kentucky), [Louisiana](https://bffws.com/states/louisiana), [Maine](https://bffws.com/states/maine), [Maryland](https://bffws.com/states/maryland), [Massachusetts](https://bffws.com/states/massachusetts), [Michigan](https://bffws.com/states/michigan), [Minnesota](https://bffws.com/states/minnesota), [Mississippi](https://bffws.com/states/mississippi), [Missouri](https://bffws.com/states/missouri), [Montana](https://bffws.com/states/montana), [Nebraska](https://bffws.com/states/nebraska), [Nevada](https://bffws.com/states/nevada), [New Hampshire](https://bffws.com/states/new-hampshire), [New Jersey](https://bffws.com/states/new-jersey), [New Mexico](https://bffws.com/states/new-mexico), [New York](https://bffws.com/states/new-york), [North Carolina](https://bffws.com/states/north-carolina), [North Dakota](https://bffws.com/states/north-dakota), [Ohio](https://bffws.com/states/ohio), [Oklahoma](https://bffws.com/states/oklahoma), [Oregon](https://bffws.com/states/oregon), [Pennsylvania](https://bffws.com/states/pennsylvania), [Rhode Island](https://bffws.com/states/rhode-island), [South Carolina](https://bffws.com/states/south-carolina), [South Dakota](https://bffws.com/states/south-dakota), [Tennessee](https://bffws.com/states/tennessee), [Texas](https://bffws.com/states/texas), [Utah](https://bffws.com/states/utah), [Vermont](https://bffws.com/states/vermont), [Virginia](https://bffws.com/states/virginia), [Washington](https://bffws.com/states/washington), [West Virginia](https://bffws.com/states/west-virginia), [Wisconsin](https://bffws.com/states/wisconsin), [Wyoming](https://bffws.com/states/wyoming)

## Recent Blog Posts

- [Brokers First Funding Appoints Anant Bhakta as Vice President of Capital Markets](https://bffws.com/blog/Anant-Bhakta-as-Vice-President-of-Capital-Markets): BFF is pleased to announce the appointment of Anant Bhakta as its new Vice President of Capital Markets. In this role, Bhakta will oversee all capital markets strategy and execution, with the entire Lock Desk and Capital Markets team reporting directly to him.
- [BFF Top Wholesale Account Executives](https://bffws.com/blog/BFF-Top-Wholesale-Account-Executive): We’re honored that two of our Account Executives, Jeff Baker and Tiffany Nguyen were recognized as a Top Wholesale AE by the Scotsman Guide. Both were ranked in the top 50, demonstrating their dedication to their broker partners and the trust these originators place in Jeff and Tiffany.  Furthermore, it also reflects the strong partnerships they’ve built within the broker community due to their unwavering commitment in delivering a superior customer experience.  
- [Brokers First Funding Unveils Brand Evolution Reflecting Growth and Maturity](https://bffws.com/blog/Brokers-First-Funding-Unveils-Brand-Evolution-Reflecting-Growth-and-Maturity): Brokers First Funding (BFF), a wholesale mortgage lender dedicated to empowering broker partners through integrity, transparency, and exceptional service, today announced the launch of an evolved brand identity designed to reflect the company’s continued growth and long-term vision.
- [Non-QM Summary of Changes — February 2026](https://bffws.com/blog/non-qm-summary-of-changes-february-2026): BFF’s February 2026 Non-QM matrix update covers guideline changes across bank statement, DSCR, and full doc programs. Key changes include updated FICO tier pricing, revised STR DSCR minimums, and expanded eligible property types for cross-collateral loans. Download the full summary PDF.
- [BFF Appoints Steven Winokur as Chief Marketing Officer](https://bffws.com/blog/bff-appoints-steven-winokur-cmo): Brokers First Funding names Steven Winokur as CMO, bringing experienced marketing leadership to the fast-growing Non-QM wholesale lender as it expands its broker partner network and product shelf.
- [BFF Adds Sales Leaders Frank Nese & Lito Gonzales](https://bffws.com/blog/bff-adds-sales-leaders-frank-nese-lito-gonzales): Brokers First Funding announces the addition of Frank Nese and Lito Gonzales to its sales leadership team, expanding the company’s Account Executive coverage and broker support capabilities.
- [BFF Announces Move to New Operations Center in Costa Mesa](https://bffws.com/blog/bff-new-operations-center-costa-mesa): Brokers First Funding has relocated to a new, expanded operations center in Costa Mesa, CA, positioning the company for continued growth in the Non-QM wholesale lending market.
- [Product Updates — July 2025](https://bffws.com/blog/product-updates-july-2025): BFF’s July 2025 product update bulletin covers program eligibility changes, updated matrix parameters, and new guidelines affecting Non-QM and agency product offerings.
- [Ops Memo: Government Shutdown Guidance](https://bffws.com/blog/government-shutdown-guidance): BFF operations memo covering guidelines and procedures for processing government-backed loans (FHA, VA, USDA) during periods of federal government shutdown. Review before submitting affected loan types.
- [Ops Memo: Texas Disaster Announcement (Update #3)](https://bffws.com/blog/texas-disaster-announcement-update-3): Updated operations guidance for loans in Texas disaster-declared counties. Covers re-inspection requirements, appraisal procedures, and closing timeline accommodations for affected areas.

## Open Positions

- [Account Executive — Southeast Region](https://bffws.com/careers) (sales, full-time)
- [Account Executive — West Region](https://bffws.com/careers) (sales, full-time)

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*FlexPoint, Inc. DBA Brokers First Funding | NMLS #243082 | [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/243082)*