Trusted by 100+ broker partners
Built for Brokers. Driven by Partnership.
Our goal is to build the best long-term relationship by providing you with a very competitive investor product mix, exceptional service, and a true understanding of what it is to be a broker partner.
Programs & Starting Rates
DSCR / Non-QM
5.875%
Fix & Flip
8.49%
Hard Money
8.49%
Ground Up Construction
8.875%
Broker Approvals in 24 Hours
40+
Years in Lending Experience
$0.5B+
in Loans Funded
10+
States Served
5★
Reviews
Loan Products
Five programs, one direct lender
Purpose-built financing for every investment strategy — underwritten in-house, funded with our own capital.
Bridge Loans
Close as fast as 5 days
Fast and flexible capital to get your deals funded.
- Flexible 12–24 month terms
- Up to 70% LTV, to $3MM
- Cross Collateralization
- No Prepayment Penalty
DSCR
30-year terms · flexible underwriting
Long-term rental financing that qualifies on property cash flow, not personal income.
- Up to 80% LTV, to $5MM
- Low or No Ratio
- First Timers
- Foreign Nationals
Non-QM
Income Based Financing
Flexible programs with income verification where DSCR can’t compete.
- 85% on Purchase
- 80% Cashout
- 620+ FICO
- Flexible Guidelines
Fix & Flip
Renovation financing
Short-term capital to acquire and renovate, with rehab funds on tap.
- Up to 85% LTC
- No Experience Options
- Foreign Nationals
- Close in as fast as 7 days
Construction Loans
Heavy Rehab and Ground Up Construction
Ground-up financing for builders, from single homes to small developments.
- 85% LTC · 70% LTARV · 65% AIV-LTV
- Streamlined Draws
- First Time Builders
- Refinance Incentives
Why brokers choose us
Your deals close. Your reputation stays intact.
We protect the broker relationship at every step — transparent pricing, no channel conflict, and a dedicated account team from term sheet to funding.
We Protect Your Client Relationship
No cross-selling, no channel conflict. Your borrower stays your borrower. It’s your contact forever.
Certainty of Close
In-house underwriting and our own capital mean the terms we quote are the terms we fund.
Competitive YSP Options
Transparent, generous compensation paid at closing on every program.
Dedicated Team
One point of contact from term sheet to funding — people who pick up the phone.
Forms & documents
Everything You Need to Submit a Deal
Download the latest versions of every form and document required to submit and process a loan.
Updated Aug 12, 2026
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About us
Founded by mortgage industry veterans
Altaloans was founded by mortgage industry veterans who collectively bring more than 40 years of experience in active broker origination, TPO lending across agency, non-QM, and bridge loan products, capital markets, and full-scale mortgage operations.
Our extensive expertise allows us to deeply understand the needs of mortgage brokers and lending partners. We are committed to our partners’ success and dedicated to delivering exceptional service, reliable solutions, and long-term value.
Industry experience
40+ years
Combined leadership building and running broker-focused lending operations.
Submit a Scenario
Get a quote in under two minutes
Tell us about your deal. A loan advisor follows up the same business day with terms — no credit pull to get a quote.
- Same-day response from a real advisor
- Indicative terms with no credit pull
- Close in as few as 5 business days
Talk to a loan advisor
Received. ✨
Blog
Insights for brokers and investors
Market outlook, program guides, and lending news from our capital-markets and underwriting teams.
