Let's find the right path for you
Choose the option that best describes where you are. We'll guide you from there.
Not sure which to pick? Start with the short form. Your loan officer will walk you through next steps.
Your information
Let's get the basics. Takes about 2 minutes.
Account
Mix of letters, numbers & symbols.
A spouse or partner applying jointly, their income and credit will be considered.
This is only in case we need to pull your credit in the future. You will not be charged, and simply agreeing will not impact your credit score.
About your loan
No need to have everything figured out, your loan officer will work through the details with you.
Property address
Gifts or grants
Additional mortgages
About you
Personal details and address. Everything is encrypted and kept private.
Your SSN is encrypted and stored securely. It's required for credit and identity verification.
Current address
Mailing address
Employment & income
Your employment history and income. All information is encrypted and private.
Current employment
Gross monthly income
Monthly amounts before taxes. Only Base is required, fill in the rest as applicable.
Additional employment
Previous employment
Other income
Investment property income
For DSCR loans, qualification is based on the property's rental income, not your personal income.
Rental income
How much do you expect to charge for rent? Use a market estimate if the property isn't currently rented.
Holding entity
DSCR loans can close in a personal name or LLC. Let us know how you plan to hold the property.
Reserves
DSCR lenders require 6 months of the total mortgage payment (PITIA) in reserves after closing.
Your LO will calculate the exact amount after reviewing loan terms.
Self-employment income
For bank statement loans, we use your deposits to calculate income, not tax returns or W-2s.
Your business
Bank statements
Business statements use 50% of deposits as qualifying income. Personal statements use 100%.
24 months typically gets a better rate. 12 months is available with slightly higher pricing.
Look at your last 12 months of deposits and estimate the average. Your LO will verify this.
Assets & debts
Your accounts, savings, and any outstanding debts. Skip anything that doesn't apply.
Accounts & savings
Other assets
Other credits
Debts & obligations
Other expenses
Real estate owned
Declarations
Required federal questions. Answer honestly, none of these will automatically disqualify you.
Military service
Demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have not applied in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Application Submitted Successfully!
What happens next?
We'll review your application
Our team is already looking at your information
Your loan officer will contact you
They'll reach out to
Track your application progress
View updates and upload documents in your portal
Need to reach us right away?
Call us at (877) 777-7262
First up, what are you looking to do?
We'll customize everything based on your goal.
Where are you in your home buying journey?
This helps us tailor your next steps.
Which area are you looking to buy in?
Do you need help finding a property there?
Our trusted agents can help you find the right place.
Roughly, what are you thinking price wise?
What's the property's address?
Fantastic! What's your closing date?
If you're not sure, your best guess works.
Just so you know...
Right now, we can only offer DSCR loans for properties outside of Florida. This is an investment property loan that qualifies based on what the property can earn in rent, not your personal income.
What this means for you:
- You'll need a minimum 20% down payment
- Qualification is based on what rent you can charge
- No personal income verification required
What's the agreed purchase price?
An educated guess is fine at this stage.
Roughly how much do you have for a down payment?
Roughly what do you owe on your home loan?
How much cash would you like to take out?
An estimate is perfectly fine.
What type of property is it?
How many units does it have?
Do you live there?
Do you plan on living there?
Do you plan on living there?
How much rent could this property generate?
Enter the monthly rent you'd expect to charge tenants. This helps us determine if the property income can cover the loan.
As an investor... Which income would you like to use to apply?
Pick the qualification method that works best. You can always change this later.
What's your employment status?
This helps us understand your financial picture.
What's your total annual gross income?
A rough estimate works. Include any co-borrower income as well.
Roughly, what's your credit score?
A general range helps us give you faster, more accurate options.
Are you working with a Bedrock Mortgage loan officer?
Let us know so we can connect you with the right person.
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You'll be able to track your application 24/7.
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Thank you, !
Your application has been submitted successfully.
What happens next?
We'll review your application
Our team is already looking at your information
You'll get a call within 10 minutes
A loan specialist will reach out to during business hours (Mon–Fri, 8am–6pm ET)
We'll guide you through next steps
They'll answer questions and help finalize your loan
Need to reach us right away?
Call us at (877) 777-7262