YEARS IN BUSINESS

Why Join?

• 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!

Marketing Support

• Daily Rate Sheet – Automatically sent
SharpSpring CRM –  Drive more leads
White label marketing for your Brokers
• Personalized Marketing flyers & social media
• In-house video production
Personal webpage – Your own URL
• Strong tradeshow presence

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

Conventional

Minimum FICO 620, No overlays, Manufactured home OK, 24 hr. Turn times!

FHA

Minimum FICO 550, Minimal overlays, Manufactured home OK, 24 hr. Turn times!

VA

Minimum FICO 620, No overlays, Manufactured home OK, 24 hr. Turn times!

Non-QM Programs

Loan amounts up to $3 million | LTV’s up to 90% | Minimum FICO 660.

DSCR

No personal income is required.
DSCR <1.00 acceptable with LTV restrictions
Better Pricing with 720+ FICO. Business Purpose loans available, NMLS license not required in most states.

Bank Statement Loans

12 mo. of personal or business statements.
Fixed expense ratio of 50% OR minimum 15% expense ratio from CPA/EA/CTEC.

Full Doc

Ideal for wage earners who have the income to support a conventional loan, but do not qualify for a traditional mortgage.

1099 Only Program

Qualifying Income is 24-months average from the total earnings reported
(15% Expense Factor).

P&L Only Program

Qualifying income is the net income from the P&L divided by the time period covered (24 months). Must provide 2 months business bank statement to support income, and must be CPA, EA or CTEC prepared.

Asset Utilization

Eligible assets are divided by 84 months to determine income. Minimum FICO 700. Maximum DTI 43%.

APPLY TODAY

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