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Built for Brokers
At Z Loans, we partner with mortgage brokers and real estate professionals to deliver modern wholesale lending powered by flexible underwriting and smart technology.
With efficient processes and direct access to experienced specialists, you can move from scenario to closing faster and with confidence.
Smart Lending Programs
Access a full suite of Non-QM, investor, and alternative income solutions designed for today’s borrowers.
Expert Deal Structuring
Work directly with experienced specialists and technology that help structure scenarios and interpret guidelines quickly.
Technology-Driven Efficiency
Modern systems and efficient workflows help keep your loans moving without delays.
Our Programs
Clemen
King
Fireball
Luzi
Carlota
Laika
01.
Agency Eligible NOO & 2nd Home
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For Second home and investment properties
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Loan amount up to Agency Limits
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FICO 700+
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LTV up to 80%
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Requires DU/LP Approve or Accpet
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30 yr Fixed or ARM available
02.
eXpert Enhanced Alt Doc
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Full Doc and Alt Doc (P&L, Bank Statements)
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Primary / 2nd / Investment
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Loans up to $3M
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FICO 660+
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LTV up to 85%
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I/O available
03.
Closed-End Second Lien
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Second Lien Primary / 2nd / Investment
- Loan Amount $75k-$500k
- FICO 660+
- LTV up to 85%
- I/O available
eXperienced Investor (DSCR)
04.
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Loan up to 3M
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FICO 700+
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LTV up to 80%
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DSCR as low as 0.80
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Foreign nationals eligible
05.
eXpress Full Doc
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Primary, Second Home & Investment
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Loans up to $3M
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FICO 660+
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LTV up to 85%
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30 or 40yr Fixed with I/O option
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Full doc required
06.
ITIN
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Borrowers without SSN using ITIN
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Primary residence only
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Loans $125K-$1.5M
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FICO 680+
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LTV up to 80%
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Full Doc or Bank Statement
01.
Carlota Non-QM A+
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Top credit tier Non-QM for Primary, Second Home & Investment.
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FICO 660+
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LTV up to 90%
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Sandard/Alt Doc
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I/O available
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Up to $3.5MM
02.
Carlota Non-QM A
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Mid-Tier Non-QM for primary, second and Investment
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FICO 660+
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LTV up to 90%
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Sandard/Alt doc
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I/O available
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Up to $3M
03.
Carlota Non-QM A-
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Conservative Non-QM for primary, second and Investment
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FICO 660+
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LTV up to 85%
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Sandard/Alt doc
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Up to $2M
01.
Fireball Non-QM
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Full and Alt Doc Non QM
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SFR, PUD, 2-4 Units / Condo
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LTV: Up to 90% (Primary) / ~85% (2nd) / ~80% (Investment)
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FICO 660+
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I/O available
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Up to $3.5 MM
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Expanded Full and Alt Doc Non-QM
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Primary / 2nd / Investment
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SFR, PUD, Condo, 2–4 Units
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LTV: Up to 85% (Primary) / ~80% (2nd) / ~75% (Investment)
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FICO 620+
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Up to $2MM
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I/O available
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Includes 1st time homebuyers and non-occupant co-borrowers
02.
Fireball Non-QM Expanded
03.
Fireball DSCR
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Investment only
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SFR, PUD, Condo, 2–4 Units
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LTV: Up to 80%
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FICO 640+
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I/O available
04.
Standalone Closed-End 2nd Lien
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Second lien for Primary, Second Home & Investment
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SFR, PUD, Condo, 2–4 Units
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FICO 660+
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Max loan $500K
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Max CLTV 85%
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Max DTI 50%
01.
Prime Luzi Plus
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Primary / 2nd / Investment
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SFR, Condo
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FICO 680+
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Up to $2.5MM
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LTV up to 80%
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Full / Alt Doc only
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I/O available
02.
Prime Luzi
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Primary / 2nd / Investment
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SFR, 2–4 Units, Condo, Condotel
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FICO 620+
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LTV up to 90%
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Full / Alt Doc, 1099, P&L, WVOE, Asset Utilization
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Condotel up to $2.5M
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I/O available
03.
Luzi ITIN
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For ITIN borrowers
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Primary & Second Home
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FICO ~660–700
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Up to 80% LTV
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Full Doc, Bank Statement, 1099, WVOE
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I/O available
04.
Luzi DSCR (5–8 Unit / Mixed Use / Portfolio)
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5–8 Unit, Mixed Use, Cross Collateral
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FICO ~660+
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Up to ~75% LTV
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Loans up to $4M
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DSCR-based qualification
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I/O available
05.
Luzi DSCR + DSCR Plus
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Investment only
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SFR, Condo, 2–4 Units
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FICO ~640+
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Up to ~80% LTV
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No income docs (DSCR / rental income)
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I/O available
Luzi Foreign National
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For non-US borrowers
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Investment only
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680 FICO or No Score option
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Up to ~75% LTV
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Loans up to $2.5M
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No US income (DSCR-based)
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I/O available
07.
Closed End 2nd Lien/HELOC
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2nd Lien up to $750K, HELOC up to $500K
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Primary, Second Home & Investment.
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FICO 680+
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CLTV up to 90% on Primary
Our Turntimes
Submissions after 2 PM PST or on weekends/holidays are treated as received the next business day.
1 Day
2 Days
2 Days
1 Day
1 Day
1 Day
1 Day
2 Days
Loan Set-Up & Initial Disclosures
Initial Underwrite
Condition Review
Final Underwrite (Clear to Close)
Locked Loan Estimate
Initial Closing Disclosure
Docs Out
Closing/Funding
At Z Loans, we provide efficient and transparent wholesale processing. The timelines below reflect our typical turn times for complete loan submissions. Turn times may vary by loan complexity.
Partner With Z Loans
Apply to become an approved wholesale partner.
Complete the application and submit your documents to begin onboarding.
Questions? Contact us
Broker Requirements
To become an approved wholesale partner, brokers must:
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Hold an active NMLS license in good standing
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Be licensed in applicable states where business will be conducted
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Maintain required compliance and regulatory standing
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Submit a completed broker application package and provide additional documentation upon request
Broker Resources
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