Featured Articles
Actionable lending insights to help mortgage brokers and LOs close more loans.
Non-QM Lender for Brokers: 5 Factors to Compare
Non-QM loans from Lendz Financial offer brokers flexible financing solutions for clients with unique financial profiles. With efficient processes, industry expertise, advanced tools, and exceptional customer service, brokers can close more deals and expand their client base effectively.
What You Need to Know About Asset Depletion Mortgages
Learn how mortgage brokers can use Lendz’s asset depletion program to qualify asset-rich borrowers with limited traditional income documentation. This guide covers the 84-month income calculation, eligible assets, documentation requirements, and key underwriting guidelines for retirees, high-net-worth clients, and self-employed borrowers.
DSCR Loans and Prepayment Penalty: What You Need to Know
DSCR prepayment penalties (PPPs) directly affect loan pricing and a borrower's flexibility to sell, refinance, or pay down early. This broker guide breaks down the three structures Lendz permits - six months of interest, a fixed percentage, and a declining schedule - with scenario walkthroughs, pricing tradeoffs, and a checklist for matching the right PPP to each investor's exit plan.
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Fortune Media and Great Place To Work® Name Lendz Financial to 2026 Best Small Workplaces List, Ranking No. 54
Lendz Financial has been named No. 54 on the 2026 Fortune Best Small Workplaces™ List, marking the company’s first appearance on the prestigious national ranking. The recognition, based on confidential employee feedback analyzed by Great Place To Work®, highlights Lendz Financial’s culture of trust, collaboration, ownership, professional growth, and strong leadership.
Debt Yield Vs. DSCR: Main Differences Brokers Must Know
Learn the key differences between debt yield and DSCR, how each ratio is calculated, and when brokers need to use them for non-QM investment property loans.
Private Mortgage Lenders: A Broker’s Guide to Expanding Financing Options
Independent brokers lose time on files that won't fit agency rules. This guide shows how private, non-QM lenders help you approve more self-employed, investor, and asset-rich clients through DSCR, bank statement, and asset utilization programs - with practical tips on documentation, structuring, and cleaner submissions.
How Many Months of Bank Statements Are Needed for a Mortgage?
Learn how many months of bank statements self-employed borrowers typically need for a mortgage and when to choose a 12- or 24-month documentation path. This guide explains how qualifying income is calculated, which statements to submit, common underwriting red flags, document freshness rules, and how brokers can prepare a cleaner non-QM bank statement loan submission.
How to Calculate Mortgage Amortization
Learn how to calculate mortgage amortization using the standard payment formula, build a month-by-month schedule, and apply the correct payment to PITIA, DTI, and DSCR. This guide also explains how interest-only loans, ARMs, extra principal payments, refinances, and rounding differences affect non-QM loan qualification.
P&L Loan Interest Rates Explained
What determines a P&L loan interest rate? This guide explains how credit, LTV, loan structure, documentation, reserves, and qualifying income affect non-QM pricing. Brokers can also review the P&L income formula, documentation requirements, and how P&L loans compare with bank statement and full doc options.
