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…
August 22, 2025 — Dominion Financial Wholesale, a non-QM division of the leading private lender for real estate investors, Dominion Financial Services, is proud to announce the appointment of Jay Vigil as Senior Vice President of Operations & Technology. In this role, Vigil will oversee operational strategy, process optimization, and technology integration to support Dominion…
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:…
August 7, 2025 — Dominion Financial Wholesale’s loan products are now available on Loansifter, the industry’s wholesale marketplace and pricing platform for mortgage professionals. Loansifter enables brokers to instantly compare loan scenarios across dozens of lenders, finding the best rates, terms, and options for their clients. This partnership marks a significant step forward in Dominion…
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…
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