theLender was created to make a difference. As a group of proven industry leaders who recently founded one of the largest and fastest growing Wholesale mortgage companies in the USA, we aim to change the stagnant landscape of wholesale
mortgage – one partnership, one loan, and one day at a time.


Here’s some of our top QM mortgage products: FHA, Veterans (VA), USDA (Rural) and Conventional Mortgages.

FHA Approved Mortgage

  • Minimum credit score: 550 AUS approved, 580 manual
  • Non-Credit Qualifying Streamline refinances allowed
  • Gift funds allowed for down payment and closing costs
  • Cash out 80% LTV

VA Mortgage

  • Minimum credit score: 580 AUS approved, 620 manual
  • Cash-out up to 100% LTV
  • Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval

USDA Mortgage

  • Minimum credit score: 620
  • 100% maximum LTV
  • No maximum loan amount
  • Rate/Term refinances allowed

Conventional Mortgages

  • 620 min score
  • Fannie Mae
  • Freddie Mac
  • Standard and High Balance
  • Home Ready
  • Home Possible

2-1 Buydown

2-1 Buydown

  • Use Seller concessions to temporarily buydown rate.
  • 1st year reduced interest rate by 2%
  • 2nd year reduced interest rate by 1%
  • 3rd and beyond interest rate resets to original qualifying rate.
  • Loan is qualified off pre buydown rate.

Eligible for Conventional Primary and Second home purchase transactions

  • Min fico 620
  • Standard Balance and High Balance
  • 1-4 units eligible (Primary)
  • SFR, Condo & PUD

Eligible for FHA Owner occupied purchase transactions

  • Min fico 580 for max ltv up to 96.5%
  • Min fico 550 for ltv’s up to 90%
  • 1-4 Units eligible
  • SFR, Condo & PUD


FHA Matrix

VA Matrix

USDA Matrix

Fannie Mae Matrix

Freddie Mac Matrix

theLender Overlay Matrix

Home Possible Matrix

Home Ready Matrix

Fannie Mae Clarity Matrix

Temporary Buydown Matrix