Private Money Lender Broker Program
Your Deals. Our Capital. Better Outcomes.
Make MOR Financial your trusted lending partner. Common sense underwriting, fast closings, and competitive broker fees.
Become an Approved BrokerA Lending Partner You Can Count On
We make you look good to your clients. Here is why brokers keep coming back to MOR Financial.
Trust
19+ years of experience and over $650M in loans funded. A proven track record your clients can rely on.
Options That Meet Your Clients' Needs
Diverse loan programs for every scenario — bridge, construction, rental, commercial, fix & flip. One lender, many solutions.
Attractive Fees
Competitive referral fees and lucrative incentives for successful client referrals. Your efforts are rewarded.
Efficiency
Fast turnaround — 24-hour approval, 7–10 day closings. Your deals close smoothly, every time.
Others Say No.
We Say Yes.
Your clients deserve a lender who looks at the deal — not just the paperwork. MOR Financial funds scenarios that traditional lenders and even other private lenders turn away.
- Foreign Nationals
- Bankruptcy
- Low or No FICO
- Self Employed
- Distressed Properties
- Short Sales & Bank REOs
- No Seasoning Required
- Notice of Defaults / Sales
- 72-Hour Rush Funding Available RUSH
Programs at a Glance
A quick reference for your clients. Transparent terms across all our lending programs.
| Program | Property Types | Max LTV | Term | Rate |
|---|---|---|---|---|
| Bridge | SFR, Multi-Family, Mixed-Use | 75% | 6 – 24 mo | 9.5 – 12% |
| Construction | SFR, Multi-Family, Commercial | 85% LTC | 12 – 24 mo | 10 – 13% |
| Rental / DSCR | SFR, 2–4 Unit, Multi-Family | 75% | 30 yr (5yr IO) | 7.5 – 10% |
| Commercial | Office, Retail, Industrial, Mixed-Use | 65% | 12 – 36 mo | 9 – 12% |
| Fix & Flip | SFR, 2–4 Unit, Condo | 70% | 6 – 18 mo | 10 – 12.5% |
Common Sense Underwriting
We believe in applying common sense to our underwriting process. No rigid checklists that miss the bigger picture. Every deal is evaluated on its own merits.
Straightforward approach — no red tape, no unnecessary delays. If the deal makes sense, we fund it. Period.
Have a scenario? Run it past us.Asset-Based Focus
We look at the property and the deal first — not just the borrower's credit score or tax returns.
Fast Decisioning
You get a real answer within 24 hours. No committees, no weeks of back-and-forth.
Direct to Decision-Maker
Your scenario goes straight to the principal. No layers of processors or analysts between you and an answer.
Creative Structuring
We structure deals that work for your client. Cross-collateral, interest reserves, phased draws — we find a way.
Become an Approved Broker
Join our network of mortgage professionals who trust MOR Financial to close their deals fast, with certainty, and with competitive compensation.
Fill out the form and our broker relations team will be in touch within one business day.
- Dedicated broker account manager
- Same-day scenario feedback
- Competitive referral compensation
- Co-branded marketing materials
- Priority deal processing
How It Works
From scenario to funded deal in three straightforward steps.
Submit Your Scenario
Send us the deal details — property type, loan amount, borrower situation. We take it from there. Phone, email, or our intake form.
Get Approved in 24 Hours
We review the scenario and issue real terms — not estimates. You will know the rate, leverage, and timeline before committing to anything.
Close & Get Paid
Fast funding with in-house capital. Your deal closes on time, your client is happy, and you earn competitive broker fees. Repeat.
Ready to Get Started?
Apply with MOR Financial today. Your clients — and your bottom line — will thank you.