Wholesale Non-QM and Non-Agency Lender for Brokers

Defy Wholesale is a top Non-QM and Non-Agency wholesale lender for mortgage brokers — flexible guidelines, exceptions allowed, up to 90% LTV, full Non-Agency program stack including bank statement, DSCR, foreign national, and ITIN.

Highlights

• Full Non-Agency program stack
• Up to 90% LTV on qualifying programs
• Loan amounts up to $4M
• Min credit score 640
• DTI up to 55%
• Exceptions with compensating factors
• Primary, second home, and investor occupancy

Who it's for

Brokers serving borrowers outside agency guidelines who still need flexible, exception-friendly terms.

FAQ

What makes a loan Non-QM?

Loans that fall outside the strict Qualified Mortgage definition — alt income, higher DTI, unique properties.

Do you allow exceptions?

Yes — with documented compensating factors.

Explore other programs

• DSCR Loans
• Non-QM Loans
• Bank Statement Loans
• Foreign National Loans
• ITIN Loans
• Asset Depletion Loans
• Mixed-Use Loans

Get started

• Become an Approved Broker Partner
• Submit a Scenario to the Deal Desk
• Browse the Forms Library