NMLS #139369 • Licensed in 19 States
NS Funding is a NON-QM mortgage broker with 30+ years of combined experience and access to 150+ wholesale lenders.
If you're self-employed, an investor, or have a non-traditional income, we specialize in finding loan programs designed for your situation.
Three things set us apart from traditional lenders and other brokers.
Our team has structured and closed thousands of NON-QM loans. We've navigated every scenario—from complex self-employment income to multi-property portfolios.
We don't work with one bank. We submit your loan to our network of wholesale lenders, ensuring you get competitive rates and terms tailored to your situation.
Our streamlined process and lender relationships mean faster decisions. Many clients close in 3-4 weeks, not months.
Simple, transparent, and designed around your schedule.
5-minute application. No credit pull. No commitment.
We identify programs you may qualify for from 150+ lenders.
Your loan officer explains rates, terms, and next steps.
We guide you through closing with no surprises.
We can't guarantee approval—no honest broker can. What we can promise is that we'll explore every option, explain your choices clearly, and never pressure you into a loan that doesn't fit your goals. Loan approval depends on your specific financial situation and lender guidelines, which vary by program.
We specialize in borrowers who don't fit the traditional lending box.
Bank statement and P&L programs
DSCR and portfolio loans
ITIN and foreign passport programs
Recent credit events considered
Common questions about who we are and how we work.
NS Funding is a DBA of NorthStar Funding Inc. | NMLS #139369 | Licensed in 19 states | Equal Housing Opportunity