Intelligent home lending
One application reaches dozens of wholesale lenders that compete for your loan, including the DSCR, bank statement, jumbo, and foreign national programs banks decline. No hard credit pull to see where you stand, and a licensed loan officer on every file.
Rather talk it through? Christina, our application assistant, can take your application by voice or chat.
Intel Loans, Inc. · NMLS #2858705 · Secure. Private. No impact to your credit score.
Start your financing journey
Buy
First home, next home, second home, or a rental. Conventional, FHA, VA, jumbo, and the non-QM programs for self-employed and investor buyers.
Refinance
Lower the payment, shorten the term, or move off an adjustable rate. We show the break-even in writing before you decide.
Equity
Access equity without giving up a first mortgage you like: a home equity loan, a HELOC, or a cash-out refinance, side by side.
Featured loan programs
What we commit to
If a lender says no
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 you are self-employed
Your tax return is not the only way to prove income.
Bank deposits, rental income, or assets can document what you earn when the return understates it. Writing off everything you legally can should not disqualify you.
If your credit has a history
A credit event has an end date, not a life sentence.
Every program has a seasoning clock after a bankruptcy or foreclosure, and some allow exceptions. We will tell you which one you are actually on.
Before you commit
Finding out where you stand costs you nothing and touches nothing.
The first conversation uses the information you give us. A hard credit pull only happens later, with your consent, if you decide to move forward.
How it works
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.
Your goal, timeline, income path, and property, assembled once. No hard credit pull to put it together.
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.
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.
Mortgage guides
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.
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.
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.
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.
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.
Apply nowThis 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 Colorado, Florida, and Texas. 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.