Start Your Purchase or Refinance with a Wholesale Lender

Why use a wholesale lender?  After obtaining a mortgage, it is normally grouped together with hundreds of other loans and re-sold to different banks, usually within 90 days, so you’ll never really know where you’ll be making your actual payment.  With this being the case, it’s best to start at Low-mortgage-ratesMORTGAGE WHOLESALE where you can obtain a “wholesale mortgage rate”.  Don’t be fooled by all the teaser rates posted online.  No lender can accurately quote a rate without having all relevant documentation like credit, pay-stubs, taxes, etc.  We look forward to helping you!

  • FHA
  • HARP 2.0 REFINANCE (Upside-Down Mortgages)

Starting your loan request (on left) provides you access to our wholesale lending network including rates, pricing, processing and outstanding service.  Also, if you’re looking to purchase a property and need to pre-qualify, you can APPLY HERE.

Start your mortgage request with the form on the left and we will contact you.


HARP 2.0 Refinance with No LTV Limits :-)HARP Refinance Program

Mortgage Wholesale offers wholesale mortgage rates to those looking to refinance under the HARP 2.0 Program in California. Under HARP, you can refinance with any lender not just the bank who currently services your loan. In fact, several months after closing your loan, most mortgages are bundled together and sold to one of the major banks, so it makes perfect sense to refinance with a wholesale lender from the start. We can assist you with all your refinance needs under the HARP 2.0 program.
In order to be eligible for HARP 2.0 refinance program:

  • Your loan must be backed by Fannie Mae or Freddie Mac (check below).
  • Allowed one 30 day late payment in past 12 months.
  • Your current mortgage must have a “closed date” prior to May 31, 2009.
  • Your property can be a primary residence, second home or investment property.

Who Currently Owns My Mortgage?

Click here to see if Fannie Mae owns your loan.Click here to see if Freddie Mac owns your loan.