Forward Lending

Expand your pipeline with Non-QM Buydowns (available on TRID loans only) all while giving your clients more purchasing power! https://hubs.ly/Q04kMJf30 Non-QM Buydowns give borrowers a reprieve from higher rates during the first two years of their loan.

• 30 year fixed rate only, available on TRID loans only
• Allowed on primary residences, investment & second homes
• Seller/builder paid only
• 2-1 Buydown option
• Available on Full Doc and Alt Doc Income Types
• Not available on DSCR Loans
• Buydown pricing options available


Intended for use by real estate and lending professionals only and not for distribution to consumers. This program does not reduce the Note Rate of the Loan. Underwriting terms and conditions apply and not all applicants will qualify.

Expand your pipeline with our Alt Agency Loans, providing flexible solutions for second homes and investment properties 🏠. Stand out from the crowd and give your clients the options they need to succeed! 🏁
https://hubs.ly/Q04kFr6f0

Program Highlights:
• Substantial LLPA Price Improvement!
• Must have AUS Findings DU Approve/Eligible or LP/Accept.
• Full Doc.
• LTV 90% LTV on Second Home, 85% on Investment.
• Conventional Loan Limits.
• 1-4 Units.


Intended for use by real estate and lending professionals only and not for distribution to consumers. Underwriting terms and conditions apply and not all applicants will qualify.

June Specials Are Here ☀️
Up to 50 BPS Price Improvement!

🏁 Special 1: Non-QM 25 BPS Price Improvement
• Includes Closed-End Seconds & DSCR 5-8 Units
🏁 Special 2: Government Price Improvement*
• 50 BPS on FHA & VA (FICO 620+ Non-Select,
⠀includes DPA)
• 25 BPS on FHA & VA Select (Standard & High Balance)
• http://12.5 BPS on Alt Agency

*Excludes Manual Underwrites on standard FHA/VA.

Closed-End Seconds Specials: eligible only in conjunction with Forward Lending first liens. See our Closed-End Seconds matrix for details. Loans originated in US Territories and the following states are ineligible: MI NJ, NY, TN, TX, WV. Restrictions apply. Contact your account Executive for details. Important to note that a Closed-End Second Mortgage may typically have a higher interest rate than the first lien mortgage.

June Special Offers valid for loans locked between 6/1/2026 and 6/30/2026. All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated. Terms, restrictions, and conditions apply. This is not a commitment to lend.

Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.

Forward Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.


Intended for use by real estate and lending professionals only and not for distribution to consumers.

We've expanded our Work Verification of Employment (WVOE) program. Designed for K1 earners who own less than 25% of their business and ay not qualify for a Bank Statement loan.
https://hubs.ly/Q04kd0M30

WVOE Expansion Highlights:
• Available for 2nd homes
• Investment properties allowed
• Reduced documentation
• Ideal for high-earning professionals that are not fully self-employed

Some examples of professionals this may benefit:
• Attorneys
• Engineers
• Architects
• Accountants
• Financial Experts
• Medical Professionals


Intended for use by real estate and lending professionals only and not for distribution to consumers. Underwriting terms and conditions apply and not all applicants will qualify.

DSCR Closed-End Seconds are here! Don’t miss out on this opportunity to boost your pipeline to success! https://hubs.ly/Q04k0Cdq0

Program Highlights:
• Up to 75% CLTV Purchase/Rate/Term and Cash-Out
• DSCR ≥ 1.0
• 30yr, 20yr, 10yr Fixed Terms Available
• No Reserves Required
• Loan Amount up to $350,000 – 75% Max LTV
• Loan Amount up to $500,000 – 65% Max LTV
• Min 660 FICO Score

Contact your AE Today!

Intended for use by real estate and lending professionals only and not for distribution to consumers. Terms above are for those that qualify.

Flexible Non-QM financing. https://hubs.ly/Q04jSLZP0

Program Highlights:
• Up to 85% LTV Purchase
• Up to 75% LTV C/O Refi
• Min FICO 660
• Loan Amounts to $1,500,000
• Tradelines on credit report must be based on ITIN issuance
• Max 50% DTI

Options:
• Tax Returns or Bank Statements for Self Employed
• Tax Returns or VOE for W-2 Employed
• DSCR for Investor Properties


Intended for use by real estate and lending professionals only and not for distribution to consumers. Terms above are for those that qualify.

🚨 Just Announced

🏆 Huge congratulations to Chris Calderon for earning the #1 spot on the Scotsman Guide Top Wholesale Account Executives list for 2025!

With over $1.12 billion in funded volume across 2,099 units, Chris's exceptional performance, leadership, and dedication have earned him the top ranking in the nation.

We're proud to have Chris representing Forward Lending and setting the standard for excellence every day. 👏


Intended for use by real estate and lending professionals only and not for distribution to consumers.

🚨 Just Announced

🎉 Congratulations to Allen Samuel on being ranked #5 on the Scotsman Guide Top Wholesale Account Executives list for 2025!

Allen funded more than $536 million in volume across 1,275 units, demonstrating an outstanding commitment to his broker partners and consistent excellence throughout the year.

Well deserved, Allen! 👏


Intended for use by real estate and lending professionals only and not for distribution to consumers.

🚨 Just Announced

🚀 Congratulations to Diego Chavez for earning the #11 ranking on the Scotsman Guide Top Wholesale Account Executives list for 2025!

With nearly $451 million in funded volume and 997 units, Diego's hard work, expertise, and dedication continue to deliver exceptional results.

Way to go, Diego! 👏


Intended for use by real estate and lending professionals only and not for distribution to consumers.

🚨 Just Announced

🏆 Congratulations to Stacy Brian for earning the #35 spot on the Scotsman Guide Top Wholesale Account Executives list for 2025!

Generating more than $280 million in funded volume across 527 units, Stacy's dedication and drive continue to make a meaningful impact on our team and partners.

Great work, Stacy! 👏


Intended for use by real estate and lending professionals only and not for distribution to consumers.