The only Spot for innovative and specialized Non-QM mortgage solutions

We make lending uncomplicated

The mission of The Lending Spot is to provide innovative Non-QM mortgage products, supported by common-sense underwriting, to the nation’s Third Party Originator community.

At TLS, we redefine TPO service by eliminating corporate layers and offering an unparalleled hands-on experience to ensure our Broker partners receive immediate loan detail decisions. Our innovative, proactive approach guarantees personalized attention, navigating your loan challenges seamlessly. With a focus on building synergetic AE-Broker relationships, we’re committed to a cradle-to-grave experience that exceeds industry standards in service and support. We’re setting new standards and introducing modern solutions that the Wholesale Mortgage Sector is overdue for.

TLS – leading the way in shaping the future of TPO by serving the underserved.

Product Highlights

Services

The Lending Spot is a Direct Lending platform that offers the Mortgage Broker community exceptional NON-QM products secured by residential properties. Contact your Wholesale Account Executive @ (747) 888-0025 or click the link below to inquire about guidelines, specials, pricing and product offerings

Product Highlights

Non-Owner Occupied Only
No Income Documentation
DSCR down to 0.00
Up to 80% LTV
FICO down to 620
First-Time Investors Allowed
Foreign Nationals Allowed – No U.S. FICO Needed
Non-Permanent Residents Allowed
1-4 Units & Condotels Allowed
Fixed Rate Terms: 15, 30, 40-years; 5/6 ARM, 7/6 ARM, 10/6 ARM (40-year term ARMs available when combined with interest only feature)
No Sourcing Deposits
Gift Funds Allowed
Vacant properties Allowed

For Specific Product Eligibility Click on the Individual Products Listed below

TLS EXPRESS

TLS WORLD WIDE