Unlock More Deals with 5-Star Lending

Non-QM Lending Elevated by Service, Speed, and a 5-star Commitment to Brokers.

Become A Partner

MGenius Loan Portal

The Smart Loan Portal
Compare options, view rates, and more—fast and secure.

Submit Non-QM Scenario

Send us your Non-QM scenario—quick review, clear feedback, and reliable execution.

Bank Statement Calculator

Submit your bank statements to calculate the income so you can structure the deal right.

Ask MGenie Mortgage AI

Get instant, accurate answers to your guideline inquiries. It’s fast, easy to use, within seconds. 

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.

business

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

Voted Top Wholesale Lender 2025 Voted a Top Wholesale Lender by industry peers, Mega Capital Funding continues to lead with strong performance, broker-focused technology, and a commitment to operational excellence that drives results across all market cycles.

Testimonial

LoanKea M. "Mega Capital is a great lender, always precise approvals, no over conditioning and very fast communication. Pleasure to work with"

Testimonial

Ernie G. "Customer service is excellent. Rates are very competitive. I have been in the Mortgage Industry for 34 years, it is awesome to work with a company that still values their customers."

Testimonial

Julie L. "I recently worked with Mega Capital as a broker with a client who needed to cash out refi his home. The Account Executive at Mega was fantastic to work with as well as all of the support team. UW went quickly and smoothly. "

Testimonial

Jason V. "Mega Capital Funding has been an outstanding partner in the home finance process. Their prompt responses and exceptional customer service make every home finance transaction smooth and stress-free. They are always available to answer questions, no matter how big or small, and their team is both knowledgeable and professional."

    Latest Webinars

    Watch the latest webinars to help you stay ahead in today’s market—right here on our mortgage blog.

    DSCR Webinar: Learn How It Works

    Looking to grow your Non-QM business? Discover how DSCR loans allow real estate investors to qualify using property cash flow instead of personal income. In this webinar, learn how mortgage brokers can turn investor scenarios into funded loans using Mega

    Bank Statement Webinar: Learn How It Works

    Expand your Non-QM business and help more self-employed borrowers qualify with Bank Statement Loans. In this webinar, learn how to use bank statements instead of tax returns to structure stronger deals, identify ideal scenarios, and close more loans for business

    MGenie Webinar: Mega’s Mortgage AI

    Mega Capital continues to roll out powerful tools to help brokers work smarter, close faster, and win more deals. Introducing MGenie, your Mortgage AI Assistant — the on-demand AI built for loan scenarios, product questions, and guideline support, providing instant,

    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.

    Appraisal Order

    Order your appraisal from multiple AMCs to maximize time & price.

    Signed Docs Upload

    Upload signed
    loan documents here.

    Turn Times

    View Current Turn Times.
    Updated Daily.

    Forms & Disclosures

    Here, you will find all the important forms and disclosures needed for loan approval.

    Licensed States

    We are licensed in over 40 states, ensuring that we remain at the forefront of the industry.

    Broker Resource Center

    Whether you are a new or existing broker, these resources will help you prosper and stay competitive in today’s market.

    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.

    Read More

    Become A Correspondent

    Gain access to exclusive resources, and innovative financial products that can set you apart from competitors.

    Read More

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