A TOP NON-QM LENDER

The Wholesale Lender Brokers Count on

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Your Trusted Lender Partner for Non- QM Loans and More!

With 30 years of expertise in the mortgage industry, Legions Capital offers flexible Non-QM loans tailored to borrower needs, helping your business grow.

About Us

5,000+
partners

More than 5,000 partnering brokerage companies

30
years

A lender with real History Stability and Results

48
states

One Lending partner  that covers your entire footprint

30
mins

Fast answers, fast approvals, faster closings

Your Trusted Partner for DSCR Loans

With 20 years of expertise in the mortgage industry, Legions Capital offers flexible DSCR loans tailored to borrower needs, helping your business grow

Fast processing times

Disclosure
24 hr
Underwriting
24 hr
Closing
24 hr
Michael Rodriguez

We’re a mortgage brokerage based in California, and Legions Capital has been an excellent wholesale partner for us. Their Non-QM knowledge, responsiveness, and ability to move files quickly really set them apart. Communication was solid throughout the process and our deal closed smoothly. We look forward to doing more business together.

Jennifer Collins

Exceptional experience from start to finish. The communication was consistent, the expectations were clear, and the process was smooth. Legions Capital delivered exactly what they promised and helped get our borrower to the finish line without unnecessary delays.

David Thompson

If you’re a broker working with investors, this lender is a game changer. Their DSCR programs and underwriting support are top tier. The team actually answers the phone and works through issues instead of creating roadblocks. Will definitely continue sending deals their way.

Amanda Patel

Fast, professional, and knowledgeable. Legions Capital made a complicated file feel manageable. The underwriting process was efficient and fair, and we closed much faster than expected. This is the kind of lender brokers want in their corner.

Roberto Hernandez

Legions Capital stands out in the wholesale space. Their turnaround times are impressive and their team is extremely organized. No surprises, no runaround — just clear communication and results. Looking forward to many more closings together.

Lauren Mitchell

We had a challenging loan scenario and Legions Capital stepped up. They took the time to review the file thoroughly and offered solutions instead of excuses. It’s refreshing to work with a lender that actually wants to help deals close.

Christopher Nguyen

Our brokerage operates out of Florida, and we recently closed a loan with Legions Capital. The experience was smooth from submission to funding. Their underwriting team was fair and communicative, and they helped us navigate a more complex scenario without delays. Strong wholesale lender all around.

Stephanie Brooks

Top-notch wholesale lender. Legions Capital provides competitive options, quick responses, and a smooth process overall. They value broker relationships and it shows in how they handle each file. One of our go-to lenders.

Benefits to grow Your business

Streamlined Loan Process

Our process is built for speed. Fast disclosures, quick underwriting, and reliable turn times -giving your borrowers answers and you a
competitive edge.

Broker-Focused Support

Our Account Executives bring real problem-solving experience to every file. When you need answers or options, you get them - quickly and clearly.

Flexible, Common-Sense Underwriting

We look at the full picture, not just the checkbox. When other lenders stop at "no," we work to find a path to "yes."

Programs

Bank Statement Loan (Self-Employed)

Min. FICO 620
Up to 90% CLTV

A perfect fit for self-employed borrowers and business owners who find it difficult to qualify using traditional tax returns.

  • Personal, business, or blended bank statements accepted
  • Minimum 3 months of reserves
  • Concierge income calculation available
Learn More

DSCR Loan (Investor Cash Flow)

Min. FICO 660
Up to 80% LTV

Our DSCR loan program is specifically designed for real estate investors, qualifying them based on the propertys cash flow rather than personal income or employment.

  • DSCR credit for ratios below 1.25
  • No personal income or employment required
  • Purchase allowed up to 85% CLTV
Learn More

ITIN

Min. FICO 660
Up to 70% CLTV

Expand Your Reach to Borrowers Without an SSN

  • Min FICO 660 and up to 70% CLTV for Super-Prime
  • Up to 70% LTV for DSCR ITIN
  • Loan amounts up to $1.5 million
Learn More

1Y + 2Y P&L

Min. FICO 660
Up to 80% CLTV

Fast Alternative Qualification for Self-Employed Borrowers

  • P&Ls reviewed by CPA, CTEC provider, or IRS Enrolled Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million
Learn More

1Y or 2Y Full Doc Non-QM

Min. FICO 620
Up to 90% CLTV

A Flexible Option for Full Doc Borrowers

  • Loan amounts up to $3.5. million
  • DTI allowed up to 55% on owner-occupied
  • Minimum 3 months of reserves
Learn More

1Y or 2Y Full Doc Non-QM

Min. FICO 620
Up to 90% CLTV

A Flexible Option for Full Doc Borrowers

  • Loan amounts up to $3.5. million
  • DTI allowed up to 55% on owner-occupied
  • Minimum 3 months of reserves
Learn More

1099 Only

Min. FICO 620
Up to 85% CLTV

Designed for Independent Contractors

  • 1099 income for the last 1 year accepted
  • 1-year history with same employer
  • Gift funds allowed
Learn More

WVOE

Min. FICO 620
Up to 80% CLTV

Perfect for Salaried Borrowers With Limited Documentation

  • Bank statements not required up to 70% LTV
  • Minimum 3 months of reserves
  • No tax returns required
Learn More

Asset Utilization

Min. FICO 620
Up to 80% CLTV

A Smart Option for High-Asset Borrowers

  • Bank statements not required up to 70% LTV
  • Minimum 3 months of reserves
  • Loan amounts up to $3 million
Learn More

Foreign National DSCR

No Score or FICO 660
Up to 75% CLTV

Built for Global Investors

  • Loan amounts up to $3 million
  • Cash-out available
  • DSCR ? 1 required (min FICO 680 or no FICO OK)
Learn More

Non-QM Jumbo

Min. FICO 660
Up to 89.99% CLTV

Flexible High-Balance Options for Non-Traditional Borrowers

  • Loan amounts up to $3.5 million
  • DTI ratios up to 50%
  • Cash-out allowed with no restrictions
Learn More

Jumbo

Min. FICO 720
Up to 80% CLTV

Prime Jumbo Financing for Large Loan Amounts

  • Loan amounts up to $3.5 million
  • DTI ratios up to 50%
  • No mortgage insurance required
Learn More

Conventional Standard

Min. FICO 620
Up to 95% CLTV

Traditional Financing With Flexible Terms

  • Loan amounts up to $832,750
  • DTI ratios up to 50%
  • Minimum 5% down payment
Learn More

Conventional HomeReady

Min. FICO 620
Up to 95% CLTV

Low Down Payment Solution for Qualified Borrowers

  • Loan amounts up to $832,750
  • DTI ratios up to 50%
  • Primary residence only
Learn More

VA Standard

Min. FICO 580
Up to 100% CLTV

Flexible Financing for Veterans and Active-Duty Service Members

  • Zero Down: 100% financing for purchases.
  • Monthly Savings: Save hundreds with No Monthly PMI.
  • True 100% Financing: No down payment and no loan limits for Veterans with full entitlement.
Learn More

VA IRRRL

Min. FICO 580
Up to 110% CLTV

Streamlined Refinance for Existing VA Borrowers

  • LTV: No LTV limit; based on existing VA balance plus costs.
  • FICO: Focus on Net Tangible Benefit rather than a specific score.
  • Ratios: No DTI calculation required.
Learn More

FHA Standard

Min. FICO 580
Up to 97.75% CLTV

Affordable Financing for Low Down Payment Borrowers

  • FICO: Minimum 580 for max financing.
  • LTV (Purchase): Industry-standard 96.5%.
  • Ratios: Often exceeds 55% DTI with compensating factors.
Learn More

Closed-End Second (Owner Occupied)

Min. FICO 660
Max CLTV up to 90%
Max DTI 50%

Owner Occupied

  • Loan amounts from $50,000 to $750,000
  • Multiple documentation types: Full Doc, Bank Statement, WVOE, P&L Only, 1099
  • Max combined lien balance up to $2,000,000
Learn More

Closed-End Second (Second home)

Min. FICO 660
Max CLTV up to 85%
Max DTI 50%

Second Home

  • Loan amounts from $50,000 to $750,000
  • Full Doc, Bank Statement, WVOE, and P&L Only available
  • Max combined lien balance up to $3,000,000
Learn More

Closed-End Second (Non-Owner Occupied)

Min. FICO 660
Max CLTV up to 80%
Max DTI 50%

Non-Owner Occupied

  • Loan amounts from $50,000 to $750,000
  • Full Doc, Bank Statement, WVOE, P&L Only, and DSCR (min DSCR 1.00)
  • Max combined lien balance up to $5,000,000
Learn More
All Programs

Fast turnaround times

Disclosure

24 Hours

Underwriting

24 Hours

Closing

24 Hours
24 Hours
Disclosure
24 Hours
Underwriting
24 Hours
Closing

Calculate your scenario now

Get detailed information about the potential loan.

Quick Pricer

Why we are trusted

Michael Rodriguez

We’re a mortgage brokerage based in California, and Legions Capital has been an excellent wholesale partner for us. Their Non-QM knowledge, responsiveness, and ability to move files quickly really set them apart. Communication was solid throughout the process and our deal closed smoothly. We look forward to doing more business together.

Jennifer Collins

Exceptional experience from start to finish. The communication was consistent, the expectations were clear, and the process was smooth. Legions Capital delivered exactly what they promised and helped get our borrower to the finish line without unnecessary delays.

David Thompson

If you’re a broker working with investors, this lender is a game changer. Their DSCR programs and underwriting support are top tier. The team actually answers the phone and works through issues instead of creating roadblocks. Will definitely continue sending deals their way.

Amanda Patel

Fast, professional, and knowledgeable. Legions Capital made a complicated file feel manageable. The underwriting process was efficient and fair, and we closed much faster than expected. This is the kind of lender brokers want in their corner.

Roberto Hernandez

Legions Capital stands out in the wholesale space. Their turnaround times are impressive and their team is extremely organized. No surprises, no runaround — just clear communication and results. Looking forward to many more closings together.

Lauren Mitchell

We had a challenging loan scenario and Legions Capital stepped up. They took the time to review the file thoroughly and offered solutions instead of excuses. It’s refreshing to work with a lender that actually wants to help deals close.

Christopher Nguyen

Our brokerage operates out of Florida, and we recently closed a loan with Legions Capital. The experience was smooth from submission to funding. Their underwriting team was fair and communicative, and they helped us navigate a more complex scenario without delays. Strong wholesale lender all around.

Stephanie Brooks

Top-notch wholesale lender. Legions Capital provides competitive options, quick responses, and a smooth process overall. They value broker relationships and it shows in how they handle each file. One of our go-to lenders.

Where We Are Licensed

We proudly serve clients across the following licensed states.

Consumer purpose (Owner occupied loans)
DSCR offered
DSCR not offered
Consumer purpose
(Owner occupied loans)
DSCR offered
DSCR not offered

Get more value for your business

Loan Programs
January 11, 2025

Why Real Estate Investors Love DSCR Loans

Explore why real estate investors prefer DSCR loans, focusing on cash flow and simplified qualification for property financing.

Loan Programs
January 14, 2025

DSCR Loan Requirements: Breaking Down the Basics

Learn about DSCR loans, including eligibility, key requirements, and tips for securing financing based on property income.

Loan Programs
January 13, 2025

How DSCR Loans Empower Self-Employed Real Estate Investors

DSCR loans offer self-employed real estate investors an efficient financing option, prioritizing property cash flow over personal income.

Loan Programs
January 11, 2025

Why Real Estate Investors Love DSCR Loans

Explore why real estate investors prefer DSCR loans, focusing on cash flow and simplified qualification for property financing.

Loan Programs
January 14, 2025

DSCR Loan Requirements: Breaking Down the Basics

Learn about DSCR loans, including eligibility, key requirements, and tips for securing financing based on property income.

Loan Programs
January 13, 2025

How DSCR Loans Empower Self-Employed Real Estate Investors

DSCR loans offer self-employed real estate investors an efficient financing option, prioritizing property cash flow over personal income.

Ready to get started?

Write to us, we will contact you within 30 minutes.