Advanced Lending Solutions
Serving Texas · Florida · Michigan | Call Us: 888-668-3559 | How Much Can I Borrow?
888-668-3559
The Home of the YES for Mortgage Borrowers
Home Loans When Others
Say No
How Much Can I Borrow?
Explore Loan Programs
The Home of the YES for Mortgage Borrowers
Institutional Pricing.
Not Retail Markups.
While traditional banks mark up your rate to cover their overhead, we give qualified borrowers direct access to wholesale institutional pricing — the same rates big banks pay themselves, passed straight to you.
How Much Can I Borrow?
Explore Loan Programs
3,000+
Loans closed since 2004
620+
Credit score to qualify
No CPA
SIGNATURE NEEDED
TX • FL • MI
States served
WHAT WE OFFER
Four Ways We Save You Money
Our Elite Wholesale Rate Desk specializes in four high-value lending categories where institutional pricing makes the biggest difference.
Luxury Purchases
Wholesale pricing on high-value homes and jumbo loan portfolios. When you’re buying at the top of the market, even a fraction of a percent in rate savings translates to thousands of dollars over the life of your loan.
Rate & Term Refinance
Already in a retail mortgage? We move you from retail to wholesale market rates — lowering your monthly payment without restarting your financial journey from scratch.
Cash-Out Refinance
Access your home equity at wholesale rates for investments, debt consolidation, or major purchases — without the retail markup your current lender is quietly charging you.
Secondary & Investment Properties
Financing for vacation homes and investment assets at wholesale pricing. Build your portfolio without paying the retail premium that eats into your returns.
TRADITIONAL RETAIL BANKS
ELITE WHOLESALE RATE DESK
FEATURE
Minimum Credit Score
Typically 680-720 for best rates
Who Pays for Branches?
You do — buried in your rate
Processing Speed
45-60+ day closings typical
Expertise
Generalist loan officers handing all file types
Limited to that bank's own products only
Wholesale pricing available from 620
No brances, no overhead passed to you
Accelerated processing for qualified files
Specialists in qualified, high-value borrower files
Loan Options
Interest Rates
Retail markup added on the top of wholesale cost to cover overhead
Unlimited access to the full wholesale market
Direct wholesale institutional pricing — no mark up
SIDE BY SIDE
Elite Wholesale vs. Traditional Banks
Banks often resell the same loan products with a retail markup added on top to cover advertising, branch overhead, and staff costs. We eliminate that layer entirely.
IS THIS RIGHT FOR YOU?
The Elite Rate Desk Is Built For…
If you have a 620+ credit score and want to stop paying the retail markup, this is for you.
Buyers purchasing high-value or luxury homes who want to maximize their rate savings.
Homeowners currently in a retail mortgage who want to refinance to a lower wholesale rate
Investors building a portfolio of secondary or investment properties
Borrowers with 620+ credit scores who are done paying the retail markup
Homeowners wanting to tap equity via cash-out refinance at the lowest possible rate
Accomplished borrowers who expect priority processing and expert-level service
THE PROCESS
How to Access Wholesale Pricing
Getting access to institutional rates is simpler than you think. Here’s how it works.
Request Your Elite Rate Quote
Fill out our quick inquiry form with your loan scenario — purchase, refinance, or cash-out. No commitment required and no hard credit pull to get started.
We Pull Wholesale Market Pricing
Our team accesses institutional wholesale pricing across multiple lenders simultaneously — the same rates that banks pay to fund loans, without the retail markup.
You Review Your Options
We present you with a clear side-by-side comparison of your best wholesale rate options — including estimated monthly payments, total interest, and closing costs.
We Handle Everything Through Closing
Once you select your program, our team manages the entire process with priority processing — from application to closing, as fast as your timeline requires.
Ready to Stop Paying the Retail Markup?
You’ve worked hard to build your business. It’s time your mortgage options matched that effort. Let’s find the right path for you.
Request an Elite Rate Quote
Call 888-668-3559