Unlock More Deals with 5-Star Lending
Non-QM Lending Elevated by Service, Speed, and a 5-star Commitment to Brokers.
Smart guidelines, fast answers, and experienced underwriting—giving brokers the confidence to submit and close Non-QM loans faster.
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Non-QM Programs Designed to Close
Meet MGenie: Your Mortgage AI Assistant. Your on-demand mortgage AI for loan scenarios, product questions, and guideline support—delivering instant, accurate answers in seconds. Try MGenie >
1-Year Full Doc
- Up to 90% LTV
- 660 Min. FICO
- 50% DTI
P & L
- Up to 80% LTV
- 660 Min. FICO
- 50% DTI
DSCR
- Up to 80% LTV
- 660 Min. FICO
- 0.75 Min.Ratio
Bank Statement
- Up to 90% LTV
- 660 Min. FICO
- 50% DTI
WVOE
- Up to 80% LTV
- 660 Min. FICO
- 50% DTI
Closed-End 2nd
- Up to 90% CLTV
- 660 Min. FICO
- Alt Doc Types
1099
- Up to 90% LTV
- 660 Min. FICO
- 50% DTI
Asset Utilization
- Up to 85% LTV
- 700 Min. FICO
- 50% DTI
And Many More
Other standard programs available including Conventional, Jumbo, Government, and HELOC loans.
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Trusted Partner for over 25 years!
Thank you for trusting us. We are committed to providing you with the highest service and quality. Your satisfaction is our top priority, and we look forward to continuing to serve you in the future.
Why Choose Mega Capital?
Excellence across rates, technology, speed, product breadth, and service.
5-Star Rated
Named one of MPA's 5-Star Wholesale Lenders for 2025. At Mega Capital Funding, we take pride in delivering the speed, support, and reliability our partners deserve.
Fast Closing
Because at Mega, we know that in today’s market, speed means success — and our goal is to help you stay one step ahead.
25+ Years Experience
Since 1998, we’ve built our reputation on efficient turn times, responsive service, and technology-driven workflows that help our partners close loans faster and smarter.
40+ States
Our footprint continues to expand as we empower brokers and correspondents with the tools, programs, and partnership needed to succeed in today’s market.
Our Achievement
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Get the latest mortgage news, expert insights, and practical guidance to help you stay ahead in today’s market—right here on our mortgage blog.
Turning Opportunities into Funded Loans
From Non-QM programs to fast turn times, Mega Capital helps brokers transform more opportunities into fully funded loans. Experience the Mega difference.
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Close More Loans with Confidence
We offer a range of tools and resources designed to help brokers close deals efficiently, reducing time and effort while increasing customer satisfaction. By aligning with our cutting-edge technology and expertise, brokers can provide clients with faster, more reliable service, ultimately boosting their reputation and expanding their business. Additionally, our commitment to ethical lending practices ensures that both brokers and clients can engage in transactions with confidence, knowing they are supported by a trusted partner in the industry.
Become Our Partner
Join the countless partners that have thrived with our expertise and low rates.
Become An Approved Broker
Embrace this opportunity to elevate your business and build stronger, more trusting relationships with your clients.
Become A Correspondent
Gain access to exclusive resources, and innovative financial products that can set you apart from competitors.
