Income match
Self-employed
Writing off everything you legally can should not disqualify you.
Bank deposits can document income when tax returns miss the full picture.
Intelligent home lending
One application puts dozens of lending desks in competition for your loan.
Get started in minutes
What’s your goal?
Pick the closest fit. It’s okay if this changes later.
Secure. Private. No impact to your credit score.
- Tell us your goalOne short application to start.
- We shop itYour file goes to lenders who fit it.
- You compareTerms and our pay, in writing.
- We close itThe same team, all the way through.
Loan programs
Home loans that read your income right.
However you earn, there is a desk that underwrites files like yours. Bank statement loans, DSCR rental files, and purchase plans built around a real closing date.
Property match
Real-estate investor
The rent is the qualifier, not your tax return.
The property's rent can lead the file when personal income is not the right measure.
Purchase match
Buying on a real timeline
A close date is a constraint we plan around, not a surprise.
Your contract date, funds, and property shape what happens first.
Loan programs
Home loans that read your income right.
However you earn, there is a desk that underwrites files like yours. Bank statement loans, DSCR rental files, and purchase plans built around a real closing date.
Writing off everything you legally can should not disqualify you.
Bank deposits can document income when tax returns miss the full picture.
Not one of theseRoute a specialty fileHow it works
One application. Your best-fit programs.
Submit one app and we'll offer you the programs you're best qualified for. Our Lending Analyzer gets you an Automated Decision within minutes.
You build one file
Your goal, timeline, income path, and property, assembled once. No hard credit pull to put it together.
Our Lending Analyzer matches it
Submit one application and we match you to the programs you're best qualified for, agency, jumbo, and non-QM alike, with an Automated Decision back in minutes.
An expert brings terms back
A licensed loan expert walks you through the options in writing, with our compensation disclosed on the Loan Estimate before you commit.
Intel Loans, Inc. · NMLS #2858705 · Licensing · Compensation is disclosed on your Loan Estimate and again at closing.
Straight answers
Difficult files.
Handled anyway.
The questions borrowers ask us before they’re willing to start.
A no from one desk is not a no from the market.
If a lender declines your file, we move it to the next one and keep going, including the non-QM desks built for self-employed and investor borrowers.
If a lender says no
Read the guidelines yourself
- Self-employed income, documentedHow twelve months of deposits stand in for a tax return.
- Every seasoning clock, chartedThe waiting period after a bankruptcy or foreclosure, by program.
- Investor files on rental incomeWhen the property's rent leads instead of your personal income.
Run your own numbers
Calculate the possibilities.
Estimate payments, see costs clearly, and make smarter moves. Every calculator shows the formula behind its result and the thresholds that decide an approval.
Explore all calculatorsMonthly paymentWhat would the full payment be?Principal, interest, taxes, insuranceRefinance break-evenWhen does a refi pay for itself?Closing costs against monthly savingsPMI removalWhen does mortgage insurance drop?Your 80% and 78% thresholdsDSCRDoes the rent carry the payment?Scored the way a DSCR desk scores it
Monthly Payment
See the full monthly payment, not just principal and interest.
Estimated monthly payment
View calculatorWhat your Lending Analyzer will ask
Guides written from the guidelines, not from other blogs.
Questions we actually get
What does a mortgage brokerage do that my bank won't?
A bank can only approve you against its own guidelines. We submit one application to wholesale lenders that compete for it, including non-QM lenders built for self-employed borrowers, investors, and foreign nationals. Our Lending Analyzer matches you to the programs you're best qualified for, and if one lender says no, we move your file to the next one and keep going.
How does Intel Loans get paid?
Like every licensed broker, we're compensated through the transaction, disclosed on your Loan Estimate and again at closing. You'll see the exact figure in writing before you commit to anything.
Can I apply from any state?
Yes. You can start an application from anywhere in the US, and it never involves a hard credit pull. Where we can arrange your loan depends on lender and state licensing; our current licenses and pending applications are listed on our licensing page, and a licensed loan officer tells you exactly where things stand on the first call.
Will checking my options hurt my credit?
No. The initial conversation and options review use the information you give us, without a hard credit inquiry. A hard pull only happens later, with your consent, when you decide to move forward with an actual application.
What does 'non-QM' actually mean?
Non-QM stands for non-qualified mortgage: loans documented outside the standard tax-return formula. Bank statement loans, DSCR rental loans, and asset-based loans are the common ones. They are fully underwritten and regulated; the difference is how income is proven, not whether it is.
Ready when you are. No hard credit pull to start.
Get startedThis is not a commitment to lend or an offer of credit. All loan approvals are subject to credit review, underwriting, and property evaluation. Programs, terms, and conditions are subject to change without notice.
Intel Loans, Inc., NMLS #2858705. Licensed in Florida. Verify our licensing at nmlsconsumeraccess.org. Equal Housing Opportunity.
Calculator results are estimates for education, not a quote, prequalification, or approval. Verify every figure with your loan officer before making decisions.
Any rates shown are hypothetical examples you enter for estimation, not offers. Actual rates and terms depend on your application and may change or be unavailable at commitment or closing.