Borderless Mortgages
for the New
Global Buyer.
We find a Yes when others say No.
U.S. real estate financing for investors, expats, foreign nationals, and self-employed borrowers from over 7 countries — people who don’t fit the traditional bank box. DSCR · Non-QM · Digital HELOC · FHA & VA · Foreign National, across 40+ wholesale lenders.
No credit impact to start · Hablamos Español · Not a commitment to lend · NMLS #2727066
Trusted guidance for modern
mortgage scenarios.
Borrowers choose MortgageToday for clear communication, flexible lending options, and a digital process designed to keep the file moving.
What are you trying to do?
Choose the path that best matches your mortgage goal. MortgageToday helps route your scenario to lending options built around the way you actually earn, live, and invest.
Buy an Investment Property
DSCR and Non-QM options for rental properties, short-term rentals, long-term rentals, and LLC ownership.
Check DSCR Options →Use Home Equity
Explore digital HELOC and cash-out options without automatically replacing your current first mortgage.
Check My Equity →Qualify While Self-Employed
Bank statement, P&L, and Non-QM options for business owners, freelancers, 1099 earners, and entrepreneurs.
Review My Income →Finance as a Global Buyer
U.S. mortgage options for foreign nationals, expats, ITIN borrowers, and international real estate investors.
Start Global Buyer Review →Buy a Primary Home
FHA, Conventional, VA, Jumbo, and other mortgage options with a clear digital process from application to closing.
Get Pre-Approved →Buy with Little or No Down Payment
VA zero-down, USDA, FHA 3.5%, and down payment assistance options for eligible buyers who want to preserve cash.
Check Eligibility →Mortgage programs for the way
people actually earn, invest, and live today.
DSCR Investor Loans
Qualify using rental income instead of personal income. Short-term rentals, long-term rentals, LLC ownership, purchases, and cash-out. Available in 35 states through Non-QM wholesale lenders.
Learn More →Bank Statement Loans
Income reviewed through 12 or 24 months of deposits instead of traditional W-2 documentation. For business owners, freelancers, and 1099 earners.
Learn More →Foreign National & ITIN Loans
U.S. real estate financing for non-U.S. citizens, global buyers, and U.S.-based ITIN borrowers without standard SSN or U.S. credit documentation.
Learn More →Expat Mortgage Options
For U.S. citizens living or working abroad who want to buy or refinance U.S. property without returning home to do it.
Learn More →Digital HELOC
Access home equity without automatically refinancing your first mortgage. Apply online through a streamlined digital process — often no in-person appraisal required.
Get Started →FHA, Conventional & VA
Traditional mortgage options for primary homebuyers, move-up buyers, veterans, and standard refinance scenarios with a digital-first process.
Learn More →Hard Money, Bridge & Fix & Flip
Asset-based, short-term lending for investors who need speed, flexibility, or financing on properties that do not fit conventional guidelines.
Learn More →Cash-Out Refinance
Tap into equity to fund renovations, pay off debt, or grow your investment portfolio. Conventional, Non-QM, and DSCR options reviewed.
Learn More →Run the numbers before you apply.
Estimate payments, DSCR, affordability, refinance savings, or available equity before starting a full application.
Estimates are for illustrative purposes only and do not constitute a loan commitment or guarantee of financing. Actual rates and payments depend on credit, lender guidelines, and property details. MortgageToday LLC NMLS #2727066.
Built for modern borrowers,
not outdated bank boxes.
MortgageToday helps borrowers who earn, live, invest, and qualify differently.
Real Estate Investors
DSCR, cash-out refinance, short-term rental, long-term rental, LLC, and portfolio financing options.
Self-Employed Borrowers
Bank statement, P&L, 1099, and Non-QM solutions when tax returns do not show the full story.
Expats and Digital Nomads
Guidance for U.S. citizens earning, living, or working abroad while financing U.S. real estate.
Foreign Nationals & ITIN
U.S. real estate financing options for global buyers and ITIN borrowers without standard U.S. income or credit profiles.
Homeowners With Equity
Digital HELOC and refinance strategies to access equity for renovations, debt consolidation, or investing.
Primary Homebuyers
FHA, Conventional, VA, Jumbo, and other mortgage options with clear digital guidance.
Traditional banks are built for simple files.
We specialize in the files they decline.
Many strong borrowers are turned away because their income, property, residency, or investment strategy does not fit a standard bank checklist. MortgageToday works differently. We help identify which lending path may fit your actual scenario instead of forcing your file into one narrow box.
Real-World Income
Self-employed, 1099, bank statement, P&L, business owner, and complex income scenarios.
Investor Strategy
DSCR, rental income, short-term rental, cash-out refinance, portfolio growth, and LLC ownership.
Global Borrowers
Foreign nationals, expats, ITIN borrowers, and buyers with international income or residency profiles.
Flexible Lender Access
Wholesale lender access creates more room to match the borrower, property, and loan goal with the right program.
40+ lenders. More programs.
More paths to yes.
As a Mortgage Broker, MortgageToday works with a wide network of Wholesale Lenders — not just one bank's guidelines. That means more savings, more flexibility, and a faster experience.
A clearer mortgage process
from scenario to closing.
Modern technology makes the process easier. Strategic broker guidance helps you avoid the wrong path.
Tell Us the Scenario
Share your loan goal, property details, borrower type, timeline, and any complexity upfront.
We Match You With Programs
We compare possible lending paths across wholesale lender options instead of relying on one bank's guidelines.
You Review Real Options
See the likely path, estimated payment, documentation needs, and next steps before moving forward.
We Manage the File
We help coordinate disclosures, underwriting, conditions, title, appraisal, and closing updates.
DSCR investment property loans
across 35 states.
MortgageToday works with wholesale Non-QM lenders offering DSCR investment property financing across multiple states. Program availability, LTV, rates, credit score, property type, documentation, and rental income requirements vary by lender and scenario.
A DSCR loan qualifies based on the property's ability to generate rental income — not your personal income or employment history. Non-QM DSCR goes further with more flexible wholesale underwriting guidelines.
If the property cash flows, we have a path. Short-term rentals, multifamily, portfolio deals — scenarios most conventional lenders won't touch.
- Often no personal income documentation required
- Many programs do not require W-2s or tax returns
- Qualify on property cash flow (DSCR ratio)
- Short-term rental income considered
- LLCs and entities welcome
- Purchase and cash-out refinance options available
Non-QM DSCR Investment Loan States
35 StatesState availability subject to lender and program guidelines. Contact us to confirm eligibility for your specific scenario.
A Modern Mortgage Broker for the Borrowers of today.
MortgageToday LLC was built for Investors, Expats, Self-Employed Borrowers, and Global buyers who need more than a generic bank answer. The company combines Digital tools, Wholesale lender access, and Strategic Mortgage guidance to help borrowers find lending paths that fit the way they actually earn, live, and invest.
After years living and working abroad, Kevin saw how outdated the mortgage process can feel for borrowers who earn, invest, and live differently. MortgageToday was built to make lending more flexible, digital, and borderless.
Work With MortgageToday →See how much equity you
may be able to access.
Get a quick home value estimate and explore whether a digital HELOC, cash-out refinance, or investor strategy may make sense.
Home value estimates are not appraisals. Equity options depend on credit, income, property type, lien position, occupancy, available equity, and lender guidelines.
Start Digital HELOC →Real borrower experience.
Real mortgage guidance.
Hear directly from borrowers who worked with MortgageToday to navigate their loan options, communication, and closing process.
Common questions,
answered clearly.
Ready to find the right
mortgage path?
Whether you are buying an investment property, unlocking equity, purchasing a primary home, or navigating a complex file, MortgageToday can help you review your options clearly.
Or call us: 786-371-2790
MortgageToday LLC NMLS #2727066 · Equal Housing Lender · Licensed in Florida and Texas · Not a commitment to lend. All loans subject to credit, income, asset, property, occupancy, documentation, program, and underwriting approval. Non-QM and DSCR program availability varies by lender and state.
