FundLoans

FundLoans FundLoans is the premier Jumbo, Super Jumbo, Non-QM Mortgage Lender. NMLS #1202262

Our low DSCR rates help your borrowers improve cash flow and help you close more deals.Fast ex*****on matters, too — we ...
09/01/2026

Our low DSCR rates help your borrowers improve cash flow and help you close more deals.

Fast ex*****on matters, too — we recently took a DSCR purchase from submission to funding in just 8 calendar days!

Loan Example
- 205K loan
- 80% LTV
- 760 FICO
- 1.25% DSCR
- 5 Year PPP

Ask how Interest Only can help your borrowers qualify.

Check our map of states that are business purpose only here: https://fundloans.com/state-licensing/

Don't ignore an investment lead you get out of state before checking our map.

Have a DSCR scenario? Call us at (760) 490-0392!

Super Jumbo. Short-term rental. Non-traditional income. No problem.For this $3.775M purchase in Santa Rosa Beach, we lev...
08/27/2026

Super Jumbo. Short-term rental. Non-traditional income. No problem.

For this $3.775M purchase in Santa Rosa Beach, we leveraged multiple business bank statements and increased the loan amount to ensure the borrower had enough cash to close while maintaining reserves.

This flexible structure helped turn a complex scenario into a closed deal.

Loan Details
- Location: Santa Rosa Beach, FL
- Loan Program: Spectrum DSCR
- Loan Amount: $3,775,000
- Transaction Type: Purchase
- Property Type: SFR
- LTV: 68.5% (Exception Required)
- Occupancy: Investor - Short-Term Rental
- Credit Score: 789
- Loan Term: 30-Year Fixed Rate

Have a scenario? Call (760) 490-0392 to speak with an account executive.

FundLoans ranks #2 on LoanSifter today for an 80% LTV DSCR purchase with 720 FICO and a 3-year PPP.We're separating our...
08/25/2026

FundLoans ranks #2 on LoanSifter today for an 80% LTV DSCR purchase with 720 FICO and a 3-year PPP.

We're separating ourselves from the competition with a 75 BPS INCENTIVE TO PRICE — putting eligible DSCR scenarios ahead of roughly 180 other rates.

Qualifying Criteria:
- 3+ Year PPP
- Long-Term Rents
- ≥70% LTV
- 720+ FICO
- Purchase or Rate & Term
- ≤$1M Loan Amount
- DSCR ≥1.00
- No Guideline Exceptions

Plus, it stacks with our existing 75 bps price incentive.

More competitive pricing. More DSCR opportunities.

Have a scenario? Call (760) 490-0392 to speak with an account executive.

Not every deal fits the traditional mold.A borrower was purchasing their home directly from their landlord, creating a p...
08/20/2026

Not every deal fits the traditional mold.

A borrower was purchasing their home directly from their landlord, creating a potential concern around the arm’s-length nature of the transaction.

So, what did FundLoans do? We layered in a 2nd to keep the rate competitive while giving the borrower the flexibility they needed to move forward.

Non-traditional scenario. Non-Traditional solution.

Loan Details
- Location: San Clemente, CA
- Loan Program: Apex & Aspire X – Bank Statements
- Loan Amounts: $2,500,000 & $380,000
- Transaction Type: Purchase
- Property Type: SFR
- CLTV: 80%
- Credit Score: 795
- Loan Term: 40-Year & 30-Year

Have a scenario? Call (760) 490-0392 to speak with an account executive.

Did You Know We Finance Non-Warrantable Condos?Non-warrantable condo financing doesn't have to mean the end of the trans...
08/18/2026

Did You Know We Finance Non-Warrantable Condos?

Non-warrantable condo financing doesn't have to mean the end of the transaction.

FundLoans offers financing for many projects that fall outside traditional agency guidelines — including expanded commercial space allowances, higher investor concentration limits, and financing options for eligible condotels.

If another lender said the condo doesn't qualify, send it to us for a second look.

Call (760) 490-0392 to speak with an account executive.

Choose a lender that adapts with you.When one qualification path doesn’t work, FundLoans finds another. This borrower in...
08/12/2026

Choose a lender that adapts with you.

When one qualification path doesn’t work, FundLoans finds another. This borrower initially couldn’t qualify using business bank statements, so we pivoted to our Assets Only program, which allowed him to qualify based solely on his liquid assets.

The result? A successful rate-and-term refinance that paid off the borrower’s existing construction loan while securing a new loan at a lower interest rate.

Loan Details
- Location: Fort Worth, TX
- Loan Program: Montage - Assets Only
- Loan Amount: $2,424,250
- Transaction Type: Rate/Term Refi
- Property Type: SFR
- Occupancy: Owner
- Credit Score: 766
- Loan Term: 7-Year ARM Interest Only

Have a scenario? Call (760) 490-0392 to speak with an account executive.

Have a high-net-worth borrower who doesn't fit traditional income guidelines?FundLoans recently closed a $4.95M purchase...
08/06/2026

Have a high-net-worth borrower who doesn't fit traditional income guidelines?

FundLoans recently closed a $4.95M purchase in Laguna Beach using Asset Allowance — qualifying the borrower with assets alone, with no income or employment reported on the 1003.

Loan Details
- Location: Laguna Beach, CA
- Loan Program: Montage - Asset Allowance
- Loan Amount: $4,950,000
- Transaction Type: Purchase
- Property Type: SFR
- LTV: 65%
- Occupancy: Second Home
- Credit Score: 801
- Loan Term: 7/6 ARM 30 Yr Interest Only

Have a scenario? Call (760) 490-0392 to speak with an account executive.

One more way to say yes.FundLoans is now offering ITIN financing, giving you another way to serve self-employed borrower...
08/04/2026

One more way to say yes.

FundLoans is now offering ITIN financing, giving you another way to serve self-employed borrowers who are living and working in the U.S. without a Social Security number.

Available On
- Montage Full Doc
- Apex Bank Statement

Program Highlights
- Loan amounts up to $1.5M
- Flexible Non-QM financing solutions
- Designed to help you reach more qualified borrowers

Have a scenario? Call (760) 490-0392 to speak with an account executive.

Got a deal that changes shape mid-process? We adapt with you.FundLoans recently closed a $3M P&L Only Refi in Los Angele...
07/30/2026

Got a deal that changes shape mid-process? We adapt with you.

FundLoans recently closed a $3M P&L Only Refi in Los Angeles that evolved during the process — a payoff increase turned what started as a Cash-Out Refi into a Rate & Term deal.

Despite these changes, our team worked closely with the broker, adapted quickly, and kept the transaction moving to a smooth close.

Loan Details
- Location: Los Angeles, CA
- Loan Program: Apex (P&L Only)
- Loan Amount: $3,000,000
- Transaction Type: R&T Refi
- Property Type: SFR
- LTV: 71%
- Occupancy: Primary
- Credit Score: 783
- Loan Term: 30-Year Fixed

$3M on a P&L Only loan at this LTV is a standout result, another example of how FundLoans helps brokers get complex deals across the finish line. Call (760) 490-0392 to speak with an Account Executive.

Address

12481 High Bluff Drive Ste 150
San Diego, CA
92130

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17604900392

Website

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