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Closed-end second mortgages are gaining momentum as homeowners look for ways to access equity without disturbing low-rate first liens.  Rather than refinancing, many borrowers are choosing to leverage the value they’ve built, fueling a notable resurgence in home equity lending. Market data shows that closed-end second originations reached their highest level since 2008, with more

As 2025 came to a close, one clear message emerged from the mortgage market: Non-QM is no longer a niche strategy; it’s a core component of how brokers are winning business in a shifting rate and affordability environment. Throughout the year, alternative lending programs steadily gained traction as borrowers, investors, and brokers adapted to tighter

The mortgage market entered the year with relatively clear expectations. Rates remained elevated, affordability continued to challenge borrowers, and many lenders and brokers anticipated a slower spring driven by cautious consumer behavior. Recently, however, a policy-driven development introduced a short-term shift in mortgage market dynamics. A $200 billion allocation toward agency mortgage-backed securities was announced

With Jerome Powell’s term as Federal Reserve Chair set to expire later this spring, the conversation around the Fed’s future leadership is no longer theoretical; it’s strategic.  President Trump has been clear: he wants a chair who is more receptive to lowering interest rates and less committed to a “higher for longer” posture. For those

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

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

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

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

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.

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

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