4.9 | 1,440+ Google reviews

Not just any lender,
‍theLender!

Inc. 5000 No. 1 Fastest Growing Real Estate Co. 2022

theLender is a national mortgage lender offering a wide variety of financing options. Built by industry veterans, we underwrite standard and complex situations and close on schedule.

$15.4B

Loans funded

40,000

Clients served

8 years

Top Workplace

48 States

Licensed Nationwide

I'm a Borrower I'm a Broker

CHOOSE YOUR PATH

FOR BORROWERS · RETAIL LENDING

Need a home loan?

Work directly with our retail lending team. Get a rate, submit an application, and close with a team that picks up the phone.

Purchase, refinance, and cash-out for owner-occupied and investment properties
Purchase, refinance, and cash-out for owner-occupied and investment properties
Purchase, refinance, and cash-out for owner-occupied and investment properties
FHA, VA, DSCR investor loans, Non-QM, and bank statement mortgages
Self-employed and alternative income mortgage programs
Full suite of alternative documentation qualification options
Licensed loan analysts who answer the phone
Direct lender closings with no middleman

Visit Retail Lending

Book a Call Get My Rate

FOR BROKERS · WHOLESALE LENDING

Placing a loan for your client?

Submit through a dedicated wholesale channel built exclusively for licensed mortgage professionals. Separate team, separate relationships, no retail crossover.

theNONI, NONI58, and full Non-QM lineup of exclusive broker products
QM products, CalHFA, SnapLOC, DSCR, and FNMA/FHLMC seller/servicer
Submit via theSpot and price instantly with QuickPricer
Daily rate updates, monthly specials, and dedicated AE support
Common-sense underwriting guidelines built for real-life scenarios
Your broker relationship stays protected, never shared with retail

Visit Wholesale Lending

Broker Login View Products

Loans Offered by TheLender

From DSCR investor programs to FHA and conventional, theLender underwrites and funds in-house across 48 states.

Non-QM investor programs

Loan products that qualify on property income, not personal tax returns. Built for real estate investors who hold, scale, or manage rental portfolios.

theNONI

Qualifies on rental income with a DSCR at or above 1.00. No W-2s, pay stubs, or tax returns required.

nearNONI

Designed for properties with a DSCR below 1.00 in high-appreciation markets where rent does not yet cover the full payment.

NONI58

Business purpose financing for 5 to 8 unit multifamily properties. Investor income qualification, no personal income docs.

theBlanket

Finance 3 to 25 properties under a single loan. Reduces closing costs and simplifies portfolio management at scale.

theLine

A revolving credit line for active investors. Draw and repay on your own schedule without triggering a new loan each time.

Non-QM consumer and alt doc

Income documentation programs for borrowers who do not fit conventional qualification standards. Self-employed, contractor, asset-heavy, and gig income are all accepted.

Bank statement

12 or 24 months of personal or business deposits used as qualifying income. No tax returns required.

1099 and P&L

Qualifies contractors and business owners using 1099 income or a CPA-prepared profit and loss statement.

Asset qualifier

Converts liquid assets into qualifying income. No employment history or income documentation needed.

Gig qualifier

Built for borrowers who earn through platforms, freelance work, or variable gig income structures.

theSECOND

A stand-alone second mortgage that lets borrowers access equity without refinancing their existing first.

QM programs

Government-backed and conventional products for borrowers who qualify through standard income documentation. FNMA and FHLMC seller/servicer approved.

FHA

Minimum 550 FICO with AUS approval. Gift funds accepted for down payment and closing costs.

VA

Veterans and active-duty program. Seller concessions can be used to buy down the rate at closing.

USDA

Zero down purchase financing for eligible rural properties. Income limits apply by county.

Conventional

Full FNMA and FHLMC product lineup. Seller/servicer approved with competitive pricing across loan sizes.

CalHFA

California Housing Finance Agency program with down payment assistance options for eligible borrowers.

$10.1B+

Loans funded

43,000+

Clients served

7 years

Top Workplace

Inc. 5000

N.1 Real Estate Co. 2022

48 States

Licensed Nationwide

What clients say

DIRECT BORROWER

These guys continued to surprise me. They under promise and over deliver.

Kris R.

BROKER

Fantastic service. Industry experts who know their products in and out. I have been in the industry for 25 years and have yet to find a company that offers the products and knowledge their staff has.

Chad H.

BROKER

My experience working with theLender was hands down the smoothest process to date. My AE and his team were efficient and professional.

Katey K.

BROKER

My experience working with the lender was hands down the smoothest process to date. My AE and his team were efficient and professional. Moving forward I am confident in choosing The Lender.

Katey K.

BROKER

The products that they offer their customers are some of the best in the industry.

Margaret N.

BROKER

theLender was amazing! Such a great experience with everyone we spoke with. Quick close and with great service! Thanks for making our journey a great one! Highly recommended!!

Jarrett K.

Read all 1,400+ reviews on Google →

Not just any lender,‍theLender!

Need a home loan?

Placing a loan for your client?

Loans Offered by TheLender

Non-QM investor programs

theNONI

nearNONI

NONI58

theBlanket

theLine

Non-QM consumer and alt doc

Bank statement

1099 and P&L

Asset qualifier

Gig qualifier

theSECOND

QM programs

FHA

VA

USDA

Conventional

CalHFA

What clients say

Not just any lender,
‍theLender!