Two ways in. Pick your lane.
Whether you're financing your own deal or placing a client's, you're one form away from a real answer — not a callback queue. Foreclosure bailout, commercial, hard money, and DSCR.
Choose the option that fits you — not sure? Most people financing their own property should pick Borrower.
Tell us about the deal
Fill this out and you get a preliminary approval in about 5 minutes — leverage, rate range, and reserves, not a "someone will be in touch." Takes roughly ninety seconds.
Get approved, or send a scenario
New partners get portal credentials, published wholesale pricing, and a scenario desk that answers before the borrower calls you back. Already approved? Use the same form to price a live file.
Reach New Century Lending
Saturday 10am – 2pm EST
Closed Sunday
Questions we get every week
How fast can I get approved?
Borrowers get a preliminary approval in about 5 minutes — the form prices your scenario against live program guidelines and returns leverage, rate range, and estimated reserves on the spot, with a loan officer call the same business day. It is a preliminary approval, not a commitment: final terms depend on underwriting, appraisal, and title. Broker partnership applications are approved within 24 hours, and live broker scenarios are priced the same day when they land before 3pm EST.
Do you require tax returns for a DSCR loan?
No. A DSCR loan qualifies on the property's rental income measured against the payment — no personal tax returns, W-2s, or debt-to-income calculation. Hard money and foreclosure bailout loans also qualify on the property, not your personal income.
Can I close in an LLC?
Yes. We finance non-owner-occupied investment property and regularly close in the name of an LLC, corporation, or trust, with a personal guaranty where the program calls for one.
How do I become an approved broker?
Submit the broker form with your company NMLS and individual NMLS. Approval comes back within 24 hours, and with it portal credentials, published wholesale pricing, and a named scenario contact. Compensation is disclosed in the approval package and paid at closing.
What's your minimum and maximum loan amount?
Program minimums and maximums vary by product and property type. Send the scenario and you'll get the range that applies to your specific deal rather than a number that may not fit it.
Is there a cost to get a quote?
No. Submitting a scenario, getting a quote, and reviewing a term sheet cost nothing. Third-party items like appraisal, title, and legal are only ordered after you accept terms, and every one of them is disclosed before it's spent.
New Century Lending · NMLS #1740818 · Equal Housing Lender. Loans are made for business and investment purposes on non-owner-occupied property. Submitting this form is not an application and does not create a commitment to lend. All terms are subject to underwriting, appraisal, title, and program guidelines.