Expert Lending Solutions that others don't offer...
Mortgage 1 specializes in
Non-QM, DSCR, and Alternative financing solutions for unique borrower situations.
Mortgage 1 specializes in
Non-QM, DSCR, and Alternative financing solutions for unique borrower situations.
From business purpose investor loans to traditional agency financing, Mortgage 1 delivers a complete product lineup with 28+ years of underwriting expertise and white-glove service.
From traditional conforming loans to complex Non-QM scenarios, we have the expertise and programs to get you approved.
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BUSINESS PURPOSE LOANS
Built for Real Estate Investors and Business Entities.
Debt Service Coverage Ratio
0.75+ Up to 80% LTV Max $3M
Cash-flow based financing that qualifies the property, not the borrower. Perfect for investors expanding single-family, multifamily, and short-term rental portfolios.
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No Income Verification Required
No Income Verification Up to 75% LTV Max $2M
Investment property financing without income verification. Perfect for investors with complex income or privacy concerns.
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Non-US Citizen Lending
No SSN Required Up to 75% LTV Max $2M
Financing for non-US citizens investing in US real estate. Alternative credit evaluation accepted.
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CONSUMER PURPOSE LOANS
Comprehensive solutions for homebuyers and homeowners, from Non-QM flexibility to traditional agency programs.
Alternative documentation and flexible underwriting for borrowers who don't fit traditional boxes.
12 or 24 Month Statements
Up to 90% LTV Max $3M 700+ FICO at 90%
Qualify using personal or business bank statements instead of tax returns. Ideal for self-employed borrowers with strong cash flow.
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Profit & Loss Statements
Up to 90% LTV Max $3MCPA-Prepared
Qualify with CPA-prepared P&L statements. Simplified documentation for business owners with professional accounting.
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Independent Contractors
Up to 90% LTV Max $3M 1-2 Year 1099s
For independent contractors and gig workers who receive 1099 income. Simplified documentation path.
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Simplified Docs for Employees
Up to 90% LTV Max $3MNo Tax Returns
Salaried employees can qualify with W2s only. No tax returns needed for straightforward employment income.
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Qualify on Assets, Not Income
Up to 80% LTV Max $3M Liquid Assets
Qualify based on liquid assets rather than traditional income. Perfect for retirees and high-net-worth individuals.
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Traditional conforming and government-backed loans with competitive rates and proven reliability.
Fannie Mae / Freddie Mac
3-5% Down DU/LP High-Balance
Competitive agency rates with access to both DU and LP underwriting engines, plus high-balance options for expensive markets.
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Federal Housing Administration
3.5% Down FICO 580+ Gift Funds OK
Flexible government-backed financing with low down payments and forgiving credit guidelines for first-time and returning homebuyers.
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Veterans Affairs
0% Down No PMI Veterans
Serving veterans, active duty service members, and eligible spouses with zero-down financing and no mortgage insurance.
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HECM & Proprietary Jumbo
Age 62+ No Monthly Payment and Non-Recourse
Unlock home equity without monthly payments using FHA HECM or jumbo proprietary reverse solutions.
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OUR STORY
Mortgage 1 was founded in 1998 with a simple principle: create Non-QM and specialty programs that empower borrowers and brokers when traditional lenders walk away.
Mortgage 1 opened its doors in 1998 at the start of the modern Non-QM era. We built our reputation on solving the income puzzles other lenders declined.
Through every market cycle, our team continued to innovate new guidelines, faster processes, and borrower education that keeps trust high.
Headquartered on the East Coast with distributed teams nationwide, we lend in all 50 states with regional Non-QM specialists.
Years solving complex loans
Funded volume
Borrowers served
States licensed
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LEADERSHIP
Seasoned operators with a hands-on approach to every borrower and broker relationship.
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VALUES & MISSION
Our mission is to expand access to credit responsibly while honoring every borrower story.
Every recommendation starts with understanding the borrower's goals, not just their income docs.
We communicate proactively with borrowers, brokers, and partners so there are zero surprises at closing.
We continually design new Non-QM and investor programs that keep Mortgage 1 ahead of the market.
Leadership is accessible, underwriting is consistent, and turn times are published—and met.
We take pride in accessibility. Reach us during business hours or leave a message anytime.
7840 West 103rd Street, Palos Hills, IL, USA
