about us

Our Company

Capital Lending Network, Inc. is a mortgage company licensed in multiple states known for its no lender overlays on government and conventional loan programs.

Affiliated with over 40 wholesale lender partners, the team at Capital Lending Network, Inc. prides itself for being a one stop mortgage lending shop. CLN and our team of licensed mortgage loan officers and support staff are experts in originating and funding loans with no lender overlays. Over 75% of our borrowers represents are folks who contact us because they either got a last minute loan denial or were going through major stress with their original lender. Capital Lending Network, Inc. works very closely with partner Gustan Cho Associates with updating our viewers the latest mortgage loan guidelines and changes that may affect borrowers when qualifying for a home purchase or refinance mortgage loan. CLN only goes by the automated underwriting system findings (AUS) and has zero lender overlays. The management team, licensed personnel, and support/operations staff at Capital Lending Network, Inc. proud to say that CLN is a one-stop-lending shop. Not only are we experts on FHA, VA, USDA, and Conventional Loans but we also offer alternative financing programs. Non-QM loans, ITIN, foreign national loan programs, condotel financing, non-warrantable condo loans, FHA 203k Loans, 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. are available 7 days a week, evenings, weekends, and holidays.

Our Story

Welcome To Capital Lending Network, Inc.

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 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, 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.

our mission

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 in 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 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. 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 in developing a lifelong personal and business relationship 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. 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 50 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 a FHA, VA, USDA, Conventional, Jumbo, Non-QM Loan, we are here to help.

To qualify for a home mortgage with a five-star national mortgage company with no lender overlays licensed in multiple states, please contact us at Capital Lending Network, Inc. at 1-800-900-8569 or email us at gcho@gustancho.com. The team at CLN is available 7 days a week, including late evenings, weekends, and holidays.

Network Of 50 Wholesale Lenders

Capital Lending Network, Inc. has a wholesale lending network of over 50 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 for 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, we 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, short sale. There are 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. 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 on the borrower's credit scores and the down payment. Capital Lending Network, Inc. offers P and L ONLY investment property mortgage program 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, 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 scores. 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 a single-family home. Lenders consider condos as higher risk than a single-family home. 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 40 wholesale lending partners. 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 and try to get them 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 refinance can save the borrower tens of thousands of dollars over the term of the home mortgage. 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 for being able to approve and close home mortgages for our borrowers when other lenders cannot. 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 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. 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 620 FICO. Outstanding collections and/or charged off accounts do not have to be paid to qualify for a home mortgage. Borrowers with an 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. are available 7 days a week, evenings, weekends, and holidays.

Let's Work Together

The Team at Capital Lending Network, Inc. appreciate 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, text, 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.

Play Video

We Are Hiring

Capital Lending Network, Inc. is hiring experienced licensed loan officers. 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. is licensed in multiple 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 automated underwriting system (AUS) or (GUS), CLN will not just approve the loan but we will close it on time. 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 in servicing their borrowers. All of our loan officer assistants are licensed and experienced mortgage processors. 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 mike@capitallendingnetwork.com.