Blog

For brokers working with self-employed clients, entrepreneurs, and real estate investors, income documentation can be a frustrating challenge. Traditional methods often disqualify strong borrowers simply because their income doesn’t fit neatly on a tax return. That’s why bank statement loans have become an indispensable tool. But here’s the real game-changer: not all bank statement programs

Mortgage rates are finally trending downward, but they’re not where they were. And for millions of borrowers who locked in historically low first-lien rates during the 2%–4% window of 2020–2021, that matters. These homeowners aren’t eager to give up those low rates, even as life continues to bring new financial needs – college tuition, rising

Earlier this week, the Federal Reserve announced a rate cut. While the headlines focused on conventional mortgages and consumer debt, the ripple effects also matter for brokers serving self-employed borrowers, real estate investors, and high-net-worth clients. For those specializing in non-QM, DSCR, and closed-end second loans, the decision creates both urgency and opportunity. Here’s what

The mortgage market is shifting, and for brokers, that shift is creating both challenges and opportunities. This summer, we saw non-qualified mortgages (non-QM) hit a record 8% of total rate lock volume. That number may sound like just another data point, but here’s what it really means: more and more borrowers are looking for financing

If you’re working with clients who own or are acquiring multiple properties, you know that stacking individual loans can quickly become time-consuming and inefficient. Separate closings, overlapping timelines, and inconsistent underwriting can slow down deals and strain relationships. At Dominion Financial Wholesale, we make it easy. Our Cross Collateral DSCR Loans allow you to finance

In today’s high-rate environment, many clients are looking for financing solutions that allow them to access equity without disturbing a favorable first mortgage. Whether they’re consolidating debt or funding home improvements, a second mortgage can offer the flexibility they need – without a full refinance.  Dominion Financial Wholesale is excited to introduce our newest offering:

As a broker, you know the frustration of working with clients who have strong cash flow but don’t show income traditionally on paper. Standard documentation requirements often exclude these clients, but they don’t have to. Dominion Financial Wholesale’s Alt Doc—Bank Statement Loan is a powerful solution for expanding your pipeline and helping more clients qualify,

Qualifying self-employed clients can be one of the most challenging parts of a broker’s role, especially when those clients earn income through 1099s rather than W-2s. Traditional mortgage programs often don’t reflect how these clients earn or report income, making approvals difficult despite strong financials. Dominion Financial Wholesale offers a solution with our 1099 Loan

Clients looking to finance mid-sized multifamily properties (5 to 10 units) often find themselves stuck between residential and commercial lending standards. Traditional guidelines can be restrictive, requiring detailed income documentation, debt-to-income calculations, or commercial underwriting that slows down the process. Dominion Financial Wholesale bridges that gap with a streamlined DSCR loan program tailored specifically for

Short-term rental properties are on the rise, and many of your clients are seeking ways to finance them, but may not qualify through traditional financing. Whether they’re purchasing a vacation rental, refinancing an existing property, or looking to pull cash out, Dominion Financial Wholesale offers a specialized DSCR loan program built for short-term rentals (STRs).

In today’s competitive market, pricing is more than just a consideration – it’s often the deciding factor. When clients are comparing rates and evaluating options, great service alone isn’t enough. Brokers need a clear pricing advantage to stay ahead and close more deals. Dominion Financial Wholesale offers a DSCR Price-Beat Guarantee, ensuring your clients get

A Simple, Streamlined Income Solution Brokers frequently encounter clients who are fully capable of managing a mortgage but struggle to qualify through conventional underwriting. Whether due to inconsistent pay structures, limited tax documentation, or non-traditional income reporting, these clients need a different path to approval. Dominion Financial Wholesale’s Written VOE Loan offers a reliable, documentation-light

For many brokers, qualifying self-employed clients can be one of the biggest hurdles in today’s lending landscape. Traditional full-doc loans often exclude strong, credit-worthy clients simply because their income doesn’t show up clearly on paper. That’s where our P&L Loan Program comes in, designed to help you close more deals by using only a Profit

In today’s fast-moving lending environment, brokers and their clients often work beyond standard business hours. Whether you’re reviewing guidelines after hours or building a scenario over the weekend, timely answers can make all the difference in securing a deal. That’s why Dominion Financial Wholesale is proud to introduce Donna, your AI Broker Assistant, available 24/7

When working with clients who don’t qualify for conventional financing, finding the right alternative solution is key to winning the deal – and keeping your pipeline strong. At Dominion Financial Wholesale, DSCR loans are not just a product, they’re our specialty. With flexible guidelines, aggressive pricing, and streamlined processes, our DSCR loans for 1–4 unit

In today’s lending environment, many qualified borrowers get turned away simply because they can’t show traditional income on paper. As a broker, you’ve likely encountered clients who have strong financial positions (significant savings, investment accounts, or retirement funds) but don’t meet standard documentation requirements. At Dominion Financial Wholesale, we offer a powerful solution: Asset Depletion

For brokers serving real estate investors, success is about providing smart, streamlined financing solutions that work at every stage of a project. Dominion Financial Wholesale offers a strategic fix-to-rent option that empowers investors to acquire, renovate, and hold onto income-producing properties—with competitive long-term DSCR loans designed to support scale and cash flow. Start with the

Let Dominion Financial Wholesale Process Your Loans with Confidence At Dominion Financial Wholesale, we know that not every broker has a processor on staff, and outsourcing to a 3rd party can mean unnecessary added costs. Whether you’re growing your team or just need additional support to scale, we’re here to help you close more deals,