Wholesale pricing
Non-QM Loan rates change daily — and the rate you’re quoted depends as much on who’s quoting as on the market. Banks quote their own rate sheet; CDL Mortgage shops multiple wholesale lenders on every non-qm loan and shows you the best pricing across the market.
The fastest way to know your real rate is a quick scenario quote: your credit range, loan amount, and property details. We’ll price it across our lender panel the same day, with no credit pull required for an initial quote.
Credit score — higher scores unlock the best non-qm loan pricing tiers; even a 20-point improvement can change your rate.
Down payment / equity — a lower loan-to-value means less lender risk and better pricing.
Loan amount & property type — loan sizing and single-family vs. condo or multi-unit both affect your rate.
Occupancy — primary residences price better than second homes and investment properties.
Points & credits — pay discount points for a lower rate, or take a lender credit toward closing costs.
Lock timing — rates move daily; we watch the market and lock when the timing is right for you.
Want an exact payment based on today's wholesale pricing? Talk to a licensed loan officer.
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
Non-QM (non-qualified mortgage) loans use flexible documentation and guidelines outside Fannie Mae and Freddie Mac rules — including bank statement, DSCR, ITIN, asset depletion, and 1099-only income programs.
Self-employed borrowers, real estate investors, high-net-worth buyers with asset-based income, foreign nationals, and anyone with a recent credit event like bankruptcy or foreclosure that conventional lending won’t yet allow.
Yes — many Non-QM programs allow financing as soon as one day out of a bankruptcy, foreclosure, or short sale with sufficient down payment, versus the 2-7 year waits conventional loans require.
Rates are moderately higher to reflect the flexible guidelines, but shopping multiple wholesale Non-QM investors — which we do on every file — keeps pricing competitive. Refinancing into conventional later is always an option.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.