Wholesale Lending, It’s All We Do.




Choose BluePoint

BluePoint Mortgage is committed to helping independent mortgage brokers gain a larger share of the market by providing excellent service and a seamless process that will offer a better experience for their borrowers.

With over 30 years in the industry and an unwavering focus on the wholesale channel, BluePoint Mortgage has been able to consistently provide its brokers with exceptional resources and pricing on investment property loans (DSCR), bank statement loans, various non-QM products, as well as Conventional, VA and FHA programs.

Our knowledgeable Account Executives are ready to pick up the phone, respond to your emails, and would be happy to provide product training and education sessions.

BluePoint Mortgage has been recognized as a top wholesale mortgage lender by Scotsman Guide and has been awarded Top Workplace by the OC Register multiple years in a row. We invite you to become an approved broker and enjoy a level of service that is unrivaled in wholesale lending. Discover why over 2,500 mortgage brokers rely on BluePoint Mortgage for their lending needs.


Loan Products

BluePoint Mortgage is a direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae, which allows us to offer a wide range of flexible mortgage solutions that suit your borrowers. BluePoint Mortgage also offers Non-QM solutions for your underserved borrowers, such as small business owners, investors, and self-employed individuals.

Conventional & Government Loans


Eliminate the barrier of a down payment and enable your clients to realize their homeownership dreams.
Min. FICO 600
100% FHA Financing


HomeReady® and Home Possible® available, flexible funding options, waived LLPAs for first-time homebuyers, restrictions apply.
Min. FICO 620


Designed to make homeownership more accessible for FTHBs & those with lower credit scores. No overlays, Manual underwriting available! Min. FICO 550


Help secure welfare and homeownership for veterans and their families, VA loan benefits include no down payment, simple underwriting, low rates, and flexible qualification guidelines. Min. FICO 620, up to LTV/CLTV 100%.

Temporary Buydown

Make homeownership more affordable! Reduce your client's monthly payments by securing a lower interest rate for up to 2 years.


Designed to provide affordable housing options for low-to-moderate income homebuyers. Min. FICO 640 and up to LTV/CLTV 96.5/100%

CalHFA Conventional

Tailored toward a market of both first-time homebuyers and low-income borrowers, this option offers flexible, low down payment mortgage options. Min. FICO 680 and up to LTV/CLTV 97/100%

Non-QM Loans


Our Debt Service Coverage Ratio loan allows your borrower to present cash flow from rental property income to qualify vs. traditional proof of income. Ratio or no ratio, STR 125% ratio, no state license requirement in most states.
FICOs as low as 620, LTVs up to 80%, Max Loan Amount $3MM

Bank Statement Loan

Are your clients self-employed? They can qualify using just 12 months of business or personal bank statements, no tax returns needed. FICOs as low as 660, LTVs up to 90%, Max Loan Amount $3.5MM

Full Doc

Ideal for those who do not qualify for a traditional mortgage. Available for wage earners and self-employed borrowers with income to support a conventional loan but are unable to qualify. FICOs as low as 660, LTVs up to 90%, Max Loan Amount $3MM

P&L Loan

A Profit and Loss (P&L) statement can be presented to qualify your borrower based upon their business income rather than personal earnings. No supporting documents required, ideal for self-employed and small business owners. Must be CPA, CTEC, PTIN, or EA compiled.
FICOs as low as 660, LTVs up to 80%, Max Loan Amount $3MM

Closed-End Second Mortgage

Offer your borrowers the option to tap into the equity of their home, enabling them to cover significant expenses. Min. FICO 680,
up to LTV/CLTV 85%, Loan amounts to $500K

1099 Loan

Tailored to meet the unique needs of your borrowers who are classified as independent contractors and gig workers by using a 12 month total average to determine qualifying income (10% expense factor added), FICOs as low as 660, LTVs up to 90%, Max Loan Amount $3MM

Asset Utilization

Ideal for retired individuals, investors, and entrepreneurs. Use Liquid Assets to Qualify your borrower for a home loan such as checking, saving, stocks, IRA, 401K, and more. FICOs as low as 700, LTVs up to 80%, Max Loan Amount $3MM

iTIN Premier

No SSN#? No problem! Designed for those who have both an individual tax identification number (ITIN) and an established credit history.
FICOs as low as 680, LTVs up to 85%, Max Loan Amount $1.25MM

iTIN Close Call

No credit score? No problem! Open up the opportunity for non-U.S. citizens to become homeowners broadening the market by boasting no credit score requirement with up to 75% LTV. Max LTV 80% w/ 660+ FICO