About Us At Capital Lending Network, Inc. NMLS 1660690 empowered by NEXA LLC  a mortgage company licensed in multiple states known for its no-lender overlays on government and conventional loan programs.

Licensed in 48 States,  160 Wholesale Lenders, Competitive Rates

Besides being able to originate FHA, VA, USDA, and Conventional loans, Capital Lending Lending, Inc. is affiliated with over 160 wholesale lending partners. The team at Capital Lending Network, Inc. prides itself on being a one-stop mortgage lending shop. CLN and our team of licensed mortgage loan officers and support staff is experts in originating and funding loans with no lender overlays with the ability to broker specialty non-QM loans. Over 75% of our borrowers represented are folks who contact us because they either got a last-minute loan denial or were going through major stress with their original lender.

About Us At Capital Lending Network, Inc. Empowered by NEXA Mortgage LLC

Capital Lending Network, Inc. works on updating our viewers on the latest mortgage loan guidelines. We post daily articles and changes in the mortgage industry that may affect borrowers when qualifying for a home purchase or refinance mortgage loan. CLN only goes by the automated underwriting system findings (AUS). We have wholesale lending relationships with investors who have zero lender overlays on government and conventional loans. The management team, licensed personnel, and support/operations staff at Capital Lending Network, Inc. are proud to say that CLN is a one-stop lending shop.

Non-QM and Alternative Mortgage Programs on Owner-Occupant Homes, Second Homes, Investment Properties

Not only are we experts on FHA, VA, USDA, and Conventional loans but we also offer alternative financing programs. Our non-QM loan programs include specialty loans such as no-doc home loans, 90% LTV jumbo mortgages, non-QM jumbo loans with credit scores down to 500 FICO, ITIN, foreign national loan programs, condotel financing, non-warrantable condo loans, ITIN loans, fix and flip mortgages.

We are known as a one-stop mortgage shop by realtors partners and other real estate industry professionals who refer us, clients. We have multiple investors who were are lending partners with and are specialists on FHA 203k loans, DSCR mortgages, One-Time Construction loans on Manufactured Housing, asset-depletion loan programs, bank statement mortgage loans for self-employed borrowers, reverse mortgages, and investment property loan programs for real estate investors.

The Team at Capital Lending Network, Inc. is available 7 days a week, evenings, weekends, and holidays.

About Us On Our Story

Welcome To Capital Lending Network, Inc. empowered by NEXA Mortgage, LLC NMLS 1660690

Capital Lending Network, Inc. is a five-star national mortgage company licensed in multiple states specializing in government and conventional loans with no lender overlays. Capital Lending Network (CLN) also offers non-QM mortgages and alternative financing which includes no-doc mortgages, bank statement loans for self-employed borrowers, asset-depletion loans, and one-day-out-of-bankruptcy and/or foreclosure loans.

Over 75% of our borrowers at CLN are folks who either have gotten a last-minute mortgage denial or could not qualify for a mortgage due to that lender having lender overlays. CLN has unique loan programs for real estate investors. Fix and flip, blanket line of credit, rental cash flow with no doc investor loans, and apartment building loan programs are just a few of our real estate investor loan programs. Capital Lending Network, Inc. has a national reputation for not having any lender overlays on FHA, VA, USDA, and Conventional Loans.

About Us On Our Mission at CLN Mortgage Empowered by NEXA Mortgage, NMLS 1660690

Capital Lending Network, Inc. has a national reputation for not having any lender overlays on government and conventional loans. The team at CLN prides itself on being able to do home loans other lenders cannot due. Over 75% of our borrowers are folks who either have gotten a last-minute mortgage denial and/or are stressing over the mortgage process and are on the verge of getting denied.

Capital Lending Network, Inc. and its network of wholesale investors will just go off the automated findings of the automated underwriting system (AUS) with zero lender overlays. To help every family qualify for a home mortgage, Capital Lending Network, Inc. offers non-QM loans. Now homebuyers can qualify for a mortgage one day out of bankruptcy and/or foreclosure with no waiting period requirements. Self-employed borrowers can now qualify for bank statement loans with no income tax returns required.

About Us On Realizing The Importance Of Customer Service

At CLN, we treat each customer as an individual and not a number. All of our loan officers are available 7 days a week, evenings, weekends, and holidays. We pride ourselves on developing lifelong personal and business relationships with every one of our borrowers. If you decided that you want to become a homeowner and have less than perfect credit, it is not IF you are going to qualify for a loan but WHEN. No need to hire expensive credit repair companies.

About Us On How We Can Help Borrowers Rebuild And Boost Their Credit

The team at Capital Lending Network, Inc. are experts in helping our borrowers rebuild their credit and maximize their credit scores not just so they can qualify for a mortgage but also to help them get the best mortgage rates. CLN has a network of more than 160 wholesale lending partners.

We always strive to get our borrowers in the best home loan program at the lowest available rates. Whether you are looking to qualify for an FHA, VA, USDA, Conventional, Jumbo, Non-QM Loans, no-doc mortgage, all-in-one mortgage, fix and flip real estate loans, or hundreds of different loan programs, we are here to help.

To qualify for a home mortgage with a five-star national mortgage company with no lender overlays with hundreds of mortgage loan options and licensed in multiple states, please contact us at Capital Lending Network, Inc. at 888-900-1020. Text us for a faster response. Borrowers can also email us at contact@capitallendingnetwork.com. The team at CLN is available 7 days a week, including late evenings, weekends, and holidays.

Lending Network Of Wholesale Lenders

Capital Lending Network, Inc. empowered by NEXA Mortgage, LLC has a wholesale lending network of over 160 investors. Our experienced loan officers will compare and contrast the best wholesale investor with the best rate and term. The team at CLN prides itself on having a reputation of being a one-stop shop. Not only do we have a national reputation as a mortgage company with no lender overlays on government and conventional loans, but we also have countless alternative finance loan programs.

Our experienced licensed loan officers are experts on Non-QM mortgages. CLN offers non-QM loans for borrowers who can qualify for a mortgage one day out of bankruptcy, foreclosure, deed in lieu of foreclosure, or short sale. There is no mortgage insurance with non-QM loans. There is no maximum loan limit with non-QM loans.

One of our most popular loan programs at Capital Lending Network, Inc. is our bank statement mortgage loan program for self-employed borrowers with no income tax returns required. We average the past 12 months of deposits. Withdrawals do not count. The average of the past 12 months deposits is the qualified income we use for the monthly income. The down payment requirement on Non-QM loans is 10% to 30% down on a home purchase.

About Us: The Return Of No-Doc Mortgages

No-doc home loans are now back. There is no income documentation required on our non-doc mortgages. The down payment requirement on a home purchase is dependent on the mortgage borrower’s credit scores and other factors. Mortgage rates on non-QM loans are determined by the borrower’s credit scores and the down payment.

Capital Lending Network, Inc. offers P and L ONLY investment property mortgage programs with no income tax returns required. We just go off the P and L that has been prepared and certified by a certified public accountant.

Whether you are buying your first home, second home, or investment property, or are a homeowner looking to refinance at today’s historic low mortgage rates, reach out to us anytime. Your call and/or email will be returned within minutes. For your convenience, both licensed loan officers and support staff are available 7 days a week, evenings, weekends, and holidays.

Shopping For The Best Mortgage Rates

The number one factor that determines mortgage rates is the borrower’s credit score. There are other factors that determine rates. The higher the risk, the higher the rates. Loan level pricing adjustments are pricing hits due to the layered risks by the lender. Not all lenders have the same pricing adjustments on layered risk.

For example, one lender may have a higher pricing adjustment than another lender on a condominium loan. Condos generally have higher rates than single-family homes. Lenders consider condos a higher risk than single-family homes. One lender may have a pricing adjustment on credit scores under 720 while another lender will not have a pricing hit unless the borrower has a credit score under 700 FICO. Capital Lending Network, Inc. has over 160 wholesale lending partners.

Competitive Mortgage Rates

Unlike a mortgage bank where they cannot shop for the best rates and terms since they are limited on the wholesale lending partners, at CLN, we always go to bat for our borrowers. We strive to get our borrowers the very best of the best rates and terms. Our borrowers are giving us their faith and trust.

This is huge for us. In return, we will not let our borrowers down and will go above and beyond in placing them with the very best loan program available in today’s market. With real estate values skyrocketing, many homeowners with FHA loans may qualify to refinance to a conventional loan and eliminate the annual FHA mortgage insurance premium. By doing so, this type of refinancing can save the borrower tens of thousands of dollars over the term of the home mortgage.

About Us On How We Help Borrowers Rebuild Credit

The team at Capital Lending Network, Inc. can help borrowers maximize their credit scores with a few quick fixes. We encourage all borrowers with great credit and high credit scores to shop at multiple lenders for the best rate possible. Not all lenders offer the same mortgage interest rate. As mortgage brokers, Capital Lending Network, Inc. can do the rate shopping for our borrowers. The team at Capital Lending Network, Inc. has the borrower’s best interest as our number one priority. Give us a call and get a free rate quote. You will not be disappointed.

Qualifying For A Mortgage With Bad Credit

Can you qualify for a home mortgage with collection accounts, charged-off accounts, low credit scores, bankruptcy, foreclosure, deed in lieu of foreclosure, short sale, judgments, tax liens, and other forms of bad credit? The answer is ABSOLUTELY YES. The team at Capital Lending Network, Inc. prides itself on being able to approve and close home mortgages for our borrowers when other lenders cannot.

Why CLN Mortgage Can Do Loans Other Lenders Cannot Do

Over 75% of our borrowers at CLN are folks who either have gotten a mortgage denial or are stressing during their mortgage process with new sets of conditions after conditions. Our business model at Capital Lending Network, Inc. is not having any lender overlays on FHA, VA, USDA, and Conventional Loans. We do not have any lender overlays. We just go off the automated underwriting system (AUS) findings with zero lender overlays. FHA loans are down to a 500 credit score with an approve/eligible per AUS. No minimum credit scores or maximum debt-to-income ratio caps on VA loans with an AUS approval.

About Us On What Makes Us Unique In Being Able To Originate And Close Loans Other Lenders Cannot

One day out of bankruptcy and/or foreclosure mortgage program with our non-QM loans. Non-QM Jumbo Loans with credit scores as low as 500 FICO. 90% LTV jumbo mortgages with credit scores as low as 660 FICO and debt to income ratio up to 50% DTI.

Outstanding collections and/or charged-off accounts do not have to be paid to qualify for a home mortgage. Borrowers with outstanding judgments and/or tax liens can still qualify for a mortgage as long as they have a written payment agreement with the judgment creditor and/or the IRS and have a three-month payment seasoning.

You can have prior bad credit but as long as you have re-established yourself and have been timely on all of your payments in the past 12 months, the chances are great that you will get an automated underwriting system approval (AUS).

Borrowers who do not qualify due to recent late payments and/or bad credit, no worries. Your loan officer at Capital Lending Network, Inc. will work one on one with you until you qualify and get pre-approved. It is not IF you qualify but rather WHEN you qualify at CLN. The team at Capital Lending Network, Inc. is available 7 days a week, evenings, weekends, and holidays.

Let’s Work Together

The Team at Capital Lending Network, Inc. appreciates our borrower’s faith and trust in us. We do not take the faith and trust our borrowers give us for granted. There are no words of gratitude and the responsibility we take wholeheartedly that can explain the honor that we just took on in making sure that we as a company do not let our borrowers down.

The support staff and licensed personnel at CLN will promise to go above and beyond for our borrowers and their families during the mortgage process as well as after closing. We will return all calls, texts, emails promptly. This includes late evenings, weekends, and holidays. We are confident we will develop a lifelong relationship. One thing that we at CLN can guarantee you is that you will not endure any stress during your mortgage process at Capital Lending Network, Inc.

Lack of communication is the number one reason why borrowers stress during the mortgage process. All of our loan officers and upper management/owners give out our personal cell numbers to all of our borrowers. Everyone is reachable 7 days a week, evenings, weekends, and holidays. Again, thank you for giving us the opportunity and honor to represent you for your mortgage needs.

About Us: We Are Hiring

Capital Lending Network, Inc. is hiring experienced licensed loan officers. The ideal candidate should have at least two years of full-time experience as a loan originator. Why work at Capital Lending Network? CLN has a five-star national reputation for not having any lender overlays on government and conventional loans. Capital Lending Network Inc. empowered by NEXA Mortgage LLC is licensed in 48 states.

Our goal is to eventually be licensed in 50 states. Over 75% of our borrowers are folks who either have gotten a last-minute mortgage loan denial and/or cannot qualify at other lenders due to them having layers of lender overlays. At Capital Lending Network, Inc., there are zero lender overlays on FHA, VA, USDA, and Conventional loans. As long as the borrower gets an approve/eligible per the automated underwriting system (AUS) or (GUS), CLN will not just approve the loan but we will close it on time.

CLN Mortgage is a mortgage broker. As mortgage brokers, we are able to help borrowers who need alternative loan programs that are available in today’s marketplace. All of our experienced loan officers do not have to worry about wining and dining realtor partners.

Capital Lending Network, Inc. will provide exclusive leads to our loan officers daily. We currently have more leads than loan officers. All of our top-producing experienced loan officers are assigned a loan officer assistant so they can concentrate more on servicing their borrowers. All of our loan officer assistants are licensed and experienced mortgage processors.

Career Opportunities For Loan Officers And Branch Managers

Top producing loan officers interested in opening up their own P and L net branch, we offer two different net branch, business models. A full P and L branch model and a net P and L branch model. If you have a current P and L branch with another mortgage company and are interested in making a change to  Capital Lending Network, Inc. give us a call.

Unlike other mortgage companies, we are mortgage bankers, correspondent lenders, and mortgage brokers. You will be able to go outside of the box and offer non-QM and alternative financing loan programs besides FHA, VA, USDA, and conventional loans.

If you are a go-getter and are willing to go above and beyond, please email us a cover letter and resume to Capital Lending Network, Inc. at contact@capitallendingnetwork.com. You can call us at 888-900-1020. Text us for a faster response