LTV Stacking

At a glance

Broker fees and points are stacked on top of the requested LTV — pricing and qualifying stay at the original LTV, so brokers earn the same and borrowers see better terms than competitors offer.

Program highlights

• Fees stacked on top of LTV
• Pricing stays at original LTV
• Better borrower terms vs. competition
• Available across most non-QM programs

How funding works

1. Quote the borrower at the base LTV
2. We stack broker comp on top — borrower pricing stays put
3. Disclosure and underwriting proceed as usual
4. Close at the same speed as the underlying program

Why this program

Most lenders price up the rate when broker comp is added — LTV stacking moves comp to the LTV instead of the rate, which keeps the borrower's monthly payment lower.

Best fit for transactions where the property has room under the program's max LTV cap.

Compatible with most non-QM programs in our shelf.

Frequently asked

Does this raise the borrower's rate?

No — that's the entire point. Pricing stays at the original LTV.

Which programs is it compatible with?

Most non-QM programs we offer; we'll confirm on a per-file basis.