Your Partner for Non-QM Lending Solutions

Foundation provides a Best Ex approach to product, pricing, and eligibility for our Brokers and Correspondents. Foundation’s executive management team has developed strong relationships within the secondary markets (PE Firms, Insurance Companies and Large Financial Institutions) to allow each Broker and Correspondent greater access to the secondary markets, which they would not normally have. This allows for an unlimited number of products, pricing, and eligibility compared to our competitors that work off one rate sheet offering one set of products and programs. The best part, all the products and programs that Foundation offers, are all originated to one core set of guidelines.

Secondary market players often move ‘in and out of the market’ in terms of pricing. Perhaps they offer incentive volumes or may need to fill a security so they will significantly improve their pricing to increase volume. Instead of Foundation capitalizing on the additional spread over our margin, we pass those pricing incentives to the Brokers and Correspondents. Foundation has completely reengineered the thought process by placing the originator in control giving them unfettered access to some of the top players in the NonQM space.

Our PPE will return products and programs for the Brokers or Correspondent to choose the best terms based either on Pricing, Eligibility (FICO, LTV or Loan Amount) or Product (CES DSCR) thereby getting the best terms for their borrower’s. If a loan falls outside our competitors credit box it is denied, not at Foundation. We have the innate ability to close every good credit qualifying loan increasing your commissions and providing superior service to your. At Foundation, we put the originator in total control.

What We Do

Dedication to Your Success

Our philosophy is simple: your success is our success. Every aspect of the Foundation Mortgage process is meticulously designed to ensure a seamless, superior home financing journey for both our partners and their clients. We strive to be the lender you can always count on to close your loans efficiently and effectively.

Grow Your Business with Us

Partner with Foundation Mortgage, where we’re dedicating to building solid foundations for our Non-QM Broker and Correspondent clients across the nation. Let’s embark on a journey of financial empowerment and success together.

MISSION + VALUES

Our Mission

To empower financial success and homeownership for our Wholesale and Correspondent partners and their clients through personalized, efficient, and transparent Non-QM mortgage solutions. Foundation Mortgage strives to simplify the complex process of Non-QM mortgage lending with expertise, technology, and a human touch, ensuring that every client feels supported and valued.

Core Values

Mutual Accountability: Foundation Mortgage embraces collective responsibility with our Broker and Correspondent partners, taking the initiative to address and resolve challenges together.
Passion for Excellence: Foundation Mortgage is driven by a fervent quest for excellence and outstanding service, we constantly strive to exceed expectations.
Transparent Communication: Foundation Mortgage prioritizes clear and honest dialogue to foster trust and understanding in all our relationships.
Valuing Partnerships: Foundation Mortgage recognizes the importance of our Broker and Correspondent Non-QM partners, we focus on nurturing these relationships with care and respect.

What Our Clients Have To Say!

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Robert H
“I wanted to thank you and your team for all that you have done for me while working with Foundation. You are always available, always answer your phone for anything I need. I have worked with other lenders and the service you provide is second to none. Wanted to say thank you to your team for being there for me when I needed them, that I appreciate you & your team for all you do to help my loans always close on time and efficiently.”

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Ruth E
“We have been sending most of our NQM files in the past 2 years to Foundation Mortgage happily working with Ryan, Dean, and Scott, and have always been completely satisfied with their performance. They do an excellent job, are always punctual to meet our deadline, and offer the most competitive rates in town.”

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Mike H.
“I’m finding that I really enjoy working with Foundation Mortgage, not only because you’ve joined the team, but also because the company has built a strong suite of programs designed to help borrowers across a wide range of financial situations. In today’s market, having flexible and well-structured options available is incredibly valuable, and it’s something I’m excited to continue learning and utilizing.
I will remember how Foundation operated with integrity and did the right thing so a borrower didn't lose their home over something that was a critical operational error.

Looking forward to working together again because of how you chose to address this situation!”

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Giorgio B
“Congratulations on the big loan and thank you Karson for getting it done. Behind this loan is another family we’ve helped and served, which is what it’s all about.

Great job team!
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James F.
“I just wanted to let everyone know how great of a job you do. From Tom on the front line answering my questions and answering his phone at all hours to the last person that touched and funded this loan today, AND Everyone in between (too many to name).

Thank you so much for your hard work and making every effort to close my Non-QM Loans. I will always start with Foundation when finding a home for these loans.

You guys make me look great and I appreciate that.”

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John S.
“I would like to give 2 BIG THUMBS UP to Shelly, Nemo & Jessica. They were attentive, available, and efficient—set expectations and detailed the internal process to make files move smooth and efficiently. All the attributes of a well-oiled machine!

Thank you for a wonderful experience and allowing me to be part of your DREAM Team!”

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Glenda E.
“I just wanted to send a quick email to say thank you soooo much for being so involved in our very first transaction together. So far, the experience has been wonderful. I truly love how proactive you both are and how willing you are to help at every step. It makes all the difference. 🙂I can’t wait to have many more transactions together. Looking forward to a great partnership!”

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Rob K
“Thank you all! You guys were amazing!! Foundation you Rock!!”

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Josh V
“Tom and Foundation Mortgage really came through when no other lender would and is greatly appreciated by me and the borrowers. The loan was a challenge but your persistence and guidance as well as Foundation’s willingness to make this loan work is a huge asset to the lending community of brokers and I know where to take all my Non-QM business moving forward. Look forward to closing more deals with you all.”

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Juliana O.
“I have been in the mortgage and real estate business for over 20 years. I find Foundation Mortgage to be one of the most efficient of all the lenders I work with. They are there for the customer, fast underwriting to the closing and our Account Executive team (Joseph and Alexander Inda) who are always there to answer a question or assist in getting the loan through. I highly recommend Foundation Mortgage to anyone.”

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Martha H.
“We are ready to close our first loan with your company. All of the people at Foundation who have worked on this loan have been excellent...Ryan, Jared, Kennesha. Thanks very much for getting this finished for us.”

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Jeffrey B
“As a mortgage originator, I have sent tens of millions of dollars of wholesale mortgage business to Foundation, and every single loan has closed on time, without the last-minute drama we experience with other wholesale partners of ours.
Foundation’s bank statement programs, DSCR programs and other non-QM structures are very competitively priced, and their Ops team allows us to deliver our loans on time, every time.
We could not ask for a better partner!”

Become a Partner

Start your Non-QM journey and join Foundation Mortgage as a wholesale broker today to unlock the benefits of a partner to a Wholesale Lender specializing in non-QM mortgages.

Get Approved