Conventional & Non-QM.
Every investor loan a loan officer brokers out is a customer handed to another lender. Vontive makes those loans the lender's own product—bridge, construction, and DSCR—and supplies the technology, capital, and fulfillment to launch in weeks.
Demand is not the constraint.
Loan officers already talk to investors: the client buying a second rental, the borrower asking about a flip, the homebuilder who needs construction financing. A conventional menu cannot serve them, and a non-QM menu covers only the rental. The flip needs a bridge loan; the new build needs construction draws; the rental qualifies on property cash flow rather than W-2 income.
So the loan officer brokers the deal to a business-purpose lender for a fee, and that lender gets the customer—the next purchase, the refinance of the flip into a rental, and every loan after. Building the products in-house is not the alternative: an operations team, warehouse lines, interim servicing, and capital markets expertise cost more than the volume justifies. The realistic choice has been to broker it out or turn it away.
Vontive is the innovative choice: the products in the lender's name, Vontive behind it. Loan officers and brokers source and quote; Vontive underwrites, closes, and funds under the lender's brand, with minimal startup cost, no warehouse usage, and no fixed operating expenses to the lender. For lenders already selling DSCR to aggregators, it also means no loan sale, no takeout risk, and the bridge and construction products no aggregator buys.
What lenders get with Vontive.
Products loan officers can sell this quarter
Bridge, Build (construction), and Rental (DSCR), offered under the lender's brand. Pricing and eligibility run inside the platform, so a loan officer or wholesale broker quotes an investor deal as readily as a conforming one.
Fulfillment without new staff
Vontive handles everything after the quote—processing, underwriting, closing, funding, servicing, and construction draws. The loan officer or mortgage broker owns the borrower relationship.
Volume that does not wait for a rate cut
Investors buy in every rate environment. Business-purpose volume runs on property returns, not refinance cycles, and steadies a production base that has been riding rates since 2022.
Repeat customer engagement
A homeowner refinances every few years. An investor buys every year and refinances the flip into a rental—a stream of loans, all through the lender.
Implementation.
Choose the product set
The products borrowers ask for, in the markets the lender wants to serve.
Configure and brand
Pricing, credit parameters, and the borrower experience are set up in the lender's identity. A product session gets loan officers and wholesale partners quoting.
Originate
Loan officers and brokers source and quote. Vontive underwrites, closes, funds, and services.
Grow the box
Add products, states, and volume as the channel proves out.
Keep the customer. Vontive fulfills the credit.
The lender earns revenue on every funded loan and owns the relationship with the borrower. Vontive holds the credit exposure and fulfills its mandate of deploying institutional capital—meaning no warehouse lines, no loan-sale dependency, no ongoing credit exposure on the lender's balance sheet.