East Coast Mortgage

Realtor Resources

A lending partner who gets your client to the closing table.

Wholesale access to 42+ lenders means we're not limited to one investor's guidelines: more approvals, more flexibility on tricky files, and fewer surprises before closing.

A suburban home on a large wooded lot

42+

Wholesale Lenders

23

Loan Programs

5

States Licensed

A program for nearly every client

The toolkit we bring to your transactions.

Conventional

Fixed and adjustable-rate options for buyers with solid credit looking for competitive terms. Minimum 3% down.

FHA

Low down payment options backed by the FHA, a great fit for first-time buyers. Minimum 3.5% down, flexible credit.

VA

Zero-down financing for eligible veterans and active-duty service members. No monthly mortgage insurance.

Jumbo

Financing above conventional loan limits for higher-value properties, with competitive wholesale pricing.

Refinancing

Rate and term, cash-out, and VA IRRRL options to lower a client's rate or tap into equity.

Investment Property

Financing for rental and investment properties, including DSCR cash-flow-based qualification.

Non-QM & Niche

Bank statement, P&L only, 1099 income, asset depletion, DSCR, ITIN, and foreign national programs for borrowers who don't fit a conventional box.

Land Loans

Financing for raw land, lot purchases, and construction-to-permanent projects.

Commercial

Financing for commercial and multi-unit investment properties.

Down Payment Assistance

Grant, forgivable, and repayable second-lien DPA programs layered on FHA or conventional financing.

From pre-approval to keys in hand

A typical purchase timeline, so you can set expectations with your clients from day one.

1

Pre-Approval

Buyer shares income, asset, and credit info; we issue a pre-approval letter they can shop with confidently.

2

Offer Accepted

Once under contract, we lock the loan program and, if desired, the interest rate.

3

Application & Disclosures

Full application, disclosures signed, and documentation collection begins.

4

Appraisal & Processing

Appraisal is ordered, file is processed and submitted to underwriting.

5

Underwriting & Conditions

Underwriter reviews the file and issues conditions; we work with your client to clear them quickly.

6

Clear to Close

Final approval issued, closing disclosure sent, and closing is scheduled.

7

Closing Day

Docs signed, loan funds, and your client gets the keys.

An agent handing keys to new homeowners

Loop us in before you write

Send us the listing first. We'll flag anything that needs a specific program.

Condo, well and septic, renovation, unusual income: we'd rather catch it before the offer than after the appraisal.

Talk to Us About a Deal

Keeping deals on track

Send buyers early

A pre-approval conversation before house-hunting starts avoids offer delays and sets the right budget.

Loop us into offers

Send us the listing before you write. We'll flag anything (condo, well/septic, renovation) that needs a specific program.

Ask before advising

Big purchases, job changes, or new credit during escrow can affect approval. Encourage clients to check with us first.

More to share with your clients

The same real resources buyers see on our site, worth having on hand.

Mortgage GuideA complete walkthrough of the process, worth handing your buyer clients.
Buyer FAQAnswers to the questions your clients will ask most, also readable online.Or read it online →
Homeowner & Maintenance GuideWhat your client should know once they own the home.

What buyers will need

W2 Employees: Latest 2 pay stubs Latest W2s (past 2 years) Copy of ID Latest 2 bank statements Latest Tax Returns (past 2 years) Self-employed: Most recent personal tax returns (2 years) Most recent business tax returns (2 years) Latest 2 personal bank statements Copy of ID

Meet the team you'd be referring to → Or if you're a licensed Realtor thinking about becoming an MLO yourself, see the Realtor-MLO Partner Program →

Partner with us

Send us your next client.

Meet the licensed loan officers on our team, or point your client straight to a real conversation.

NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend