YEARS IN BUSINESS
Why Join?
Wholesale mortgage account executive jobs at BluePoint Mortgage offer top-tier commissions, a robust Non-QM and agency product lineup, and a 4.8-star culture you’ll love.
• No assigned territories
• No retail division
• Competitive comp plans
• Dedicated support staff
• Extremely fast turn times
• Competitive Agency and Non-QM products
• In-house broker approval
• Licensed in 30+ states, and expanding!
APPLY TODAY
Send us your resume using the form below.
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
ZERO-DOWN Home Loan
Eliminate the barrier of a down payment and enable your clients to realize their homeownership dreams.
- 96.5% LTV FHA 30yr Fixed 1st
- Combined with a 3.5% LTV 10yr Fixed 2nd
- Min. FICO 620
- 100% Financing
FHA Streamline
The FHA Streamline Refinance program allows current FHA borrowers to lower their monthly mortgage payments with minimal paperwork, no appraisal, and no income verification required
- Min. FICO 550
FHA
Designed to make homeownership more accessible for FTHBs & those with lower credit scores.
- Min. FICO 550
- Manual Underwriting available
Conventional
HomeReady® and Home Possible® available, flexible funding options, waived LLPAs for first-time homebuyers, restrictions apply.
Min. FICO 620
VA
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.
CalHFA FHA
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
DSCR
Our Debt Service Coverage Ratio loan allows your borrower to present cash flow from rental property income to qualify vs. traditional proof of income. No Ratio option available, first-time homebuyers OK.
- FICOs as low as 620 (Max 75% LTV)
- LTVs up to 80% (Min. FICO 640)
- Max Loan Amount $3MM
- Cash-out may be used as reserves
- First-Time Homebuyer & Investor OK
Bank Statement Loan
Working with clients self-employed?
Qualify them using just 12 months of bank statements, tax returns not required.
- FICOs as low as 620 (Max 70% LTV)
- LTVs up to 90% (Min. FICO 680 FICO)
- Max Loan Amount $3.5MM
- 2-1 temporary buydown available
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, or EA compiled.
FICOs as low as 660, LTVs up to 80%, 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 $3.5MM
Closed-End Second Mortgage
Offer your borrowers the option to tap into the equity of their home, enabling them to cover significant expenses. FICOs as low as 680, Loan Amounts up to $750K, CLTVs up to 90% - Restrictions apply
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 620, LTVs up to 90%, Max Loan Amount $3.5MM
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 $1.3MM
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