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Welcome to the Dominion Financial Wholesale Blog – The go-to resource for brokers searching for insights on non-QM loans, DSCR financing, alternative qualification, and industry trends.

Ground-up construction on new home.
Blog

Ground-Up Construction Loans for Brokers and Investor Builders

As investor demand continues to shift toward new construction opportunities, brokers need financing solutions that can support larger projects, tighter timelines, and more complex capital structures.  To meet that demand, Dominion Financial Wholesale has launched a new Ground-Up Construction Loan Program, a streamlined solution designed to support builders, developers, and investors from land acquisition through

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4 Tips for Brokers to Win in 2026

As the new year approaches, brokers nationwide are sharpening their strategies and preparing for a competitive 2026. With evolving market conditions, shifting borrower needs, and technology reshaping the lending landscape, the most successful brokers will be the ones who adapt early and strategically. Here are 4 key areas where brokers can position themselves to win

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Home renovation, inside of the house.
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New Fix & Flip Loan Program: Fast, Flexible Capital for Today’s Investors

In today’s competitive real estate market, brokers need reliable, high-leverage financing solutions that help their investor clients move quickly. With more investors seeking short-term capital for acquisition and renovation projects, speed and certainty of execution are more important than ever. To support brokers and strengthen their investor relationships, Dominion Financial Wholesale has launched a new

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Hand stacking coins next to small toy house.
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How Brokers Can Help Investor Clients Navigate 1031 Exchanges

For many real estate investors, deciding to sell a property is not just a financial decision; it’s an emotional and strategic one. They may be managing an aging asset, eyeing a new opportunity, or simply looking to rebalance their portfolio. Yet time and again, one factor causes hesitation: capital gains tax. The tax burden associated

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House during holiday time.
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Tapping into Equity: Why Closed-End Seconds Are the Gift Your Clients Need This Holiday Season

As 2025 winds down, many homeowners are looking for financial breathing room; whether that’s paying off high-interest debt, covering holiday expenses, or planning ahead for next year’s goals. But for millions of borrowers sitting on record levels of home equity and locked into historically low first-lien rates, refinancing isn’t an option they’re eager to take.

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How AI Is Elevating Broker Support in DSCR and Non-QM Lending

In the mortgage industry, speed and precision have always mattered. For brokers working in DSCR and Non-QM lending, where every scenario carries nuance, those two qualities often determine whether a deal moves forward or stalls. As technology continues to evolve, artificial intelligence (AI) is beginning to reshape how brokers access information, interpret guidelines, and deliver

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Man and woman discussing business in office.
Blog

Bank Statement Loans: Know Before You Go

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

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Blog

Closed-End Seconds: The Lending Solution Today’s Market Demands

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

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Federal Reserve Building.
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The Fed Just Cut Rates: What It Means for Non-QM & DSCR Lending — And How Brokers Can Win More Business

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

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Blog

Why Brokers Can’t Afford to Ignore Non-QM in 2025

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

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Townhouses on a sunny day.
Blog

One Loan, Multiple Properties: How Cross-Collateral DSCR Loans Simplify Complex 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

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Businessmen shaking hands.
Blog

Introducing Closed-End Second Mortgages to Help You Unlock More Financing Options 

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:

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Man looking through documents and laptop.
Blog

Qualify More Borrowers with Our Bank Statement Program

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,

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1099 loan documentation with a pencil and calculator.
Blog

1099 Loans That Work for Self-Employed and Commission-Based Clients

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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Small apartment building.
Blog

Expand Your Loan Offering with DSCR for 5–10 Unit Properties

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

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Short-term rental townhouses in Panama City Beach Florida USA.
Blog

DSCR for Short-Term Rentals: Flexible Financing for Hard-to-Qualify Clients

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).

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House with DSCR Price Beat Guarantee badge.
Blog

Give Your Clients the Best Rate with Our DSCR Price-Beat Guarantee

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

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Man looking at his written verification of employment documents.
Blog

Close More Loans with Written VOE

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

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