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WE BELIEVE BETTER IS POSSIBLE

WE BELIEVE BETTER IS POSSIBLE

WE BELIEVE BETTER IS POSSIBLE

WE BELIEVE BETTER IS POSSIBLE

WE BELIEVE BETTER IS POSSIBLE

Open Doors to
Homeownership

Why Open Mortgage

Open Mortgage Wholesale is a nationwide wholesale lender that believes in equitable lending and the dream of homeownership for all. As a versatile lender, offering both agency and non-agency lending options, we are dedicated to delivering superior mortgage solutions and building a relationship based, client-focused culture. By acknowledging diverse circumstances, we have improved access to mortgage financing by offering innovative loan products that continue to open doors, for even the most underserved communities! Learn more about Open Mortgage Wholesale below and become a partner with us today!

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Products

Delivering superior mortgage solutions that satisfy the needs and exceed the expectations of our business partners.

DreamBuilder

DreamBuilder Highlights

  • Eligible up to 96.5% LTV

  • 580 Min FICO® (NO FICO® Option Available)

  • FHA Full Doc (Assets as Income, Bank Statements Only Income1099s + Bank Statements)

  • One Tradeline w/ at least 12-Mos

  • Eligible for U.S. Citizens, Permanent Resident Aliens, Non-Permanent Residents Aliens, including ITIN and DACA

DPA

Down Payment Assistance Highlights

  • The Most Competitively Priced DPAs in The Country

  • 100% Financing DPA Nationwide

  • No income restrictions

  • Funds Can Be Used for Down Payment or Closing Cost

  • 600 FICO Manual Underwrite

  • Min 580 FICO w/AUS Approval

  • High-Balance allowed

  • NOO Co-Borrower Allowed

  • LPC Allowed

Government Suite

FHA Highlights

  • 540-579 FICO® w/ LTV up to 90% (Max 50% DTI)

  • 580+ FICO® w/ LTV up to 96.5% (Max 55% DTI)

  • High Balance Available

  • Manual UW Allowed

FHA EZ Highlights

  • 620 Min FICO®

  • LTV up to 96.5% Purchase / 97.75% Refi

  • 30- and 15-yr Terms Available

  • 2-1 Buydown Option Available

VA Highlights

  • 540-579 FICO® w/ Max 90% LTV

  • 580+ FICO® w/ Max 100% LTV

  • Loan Amounts / Cash-Out up to $1.5M

  • Manual UW Allowed

USDA Highlights

  • ​550 Min FICO®

  • Up to 100% LTV/CLTV

  • Non-Traditional Credit Allowed

  • Max Ratio 29%/41%

Non-QM Suite

Contender (Premium) Highlights

  • Primary Residence, Second Home, Investment

  • Full and Alt Doc (1-Year Full Doc, Bank Statements, 1099s, Asset Depletion, Asset Assist, P&L + Bank Statements, P&L Only, WVOE)

  • Up to 90% LTV/HCLTV

  • 660 Min FICO®

  • Up to 55% DTI

  • Reserves Down to 3-Mos

  • $3M Max Loan Amount

WayFinder (Expanded) Highlights

  • Primary Residence, Second Home, Investment

  • Full and Alt Doc (1-Year Full Doc, Bank Statements, 1099s, Asset Depletion, Asset Assist, P&L + Bank Statements, P&L Only, WVOE)

  • 640 Min FICO®

  • 0x90x12 Housing History Allowed (subject to restrictions)

  • $3M Max Loan Amount

TrailBlazer (DSCR) Highlights

  • Investment Only

  • Debt Service Coverage ratio

  • Up to 85% LTV/HCLTV

  • 640 Min FICO®

  • .75 DSCR and No Ratio Qualifying Available

  • Investor Experience NOT Required

  • $3M Max Loan Amount

Free Marketing Materials

Visit our Resource Center for free marketing materials.

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