Welcome to Takers Brokerage
Established in October 2024, Takers Brokerage is a leading Mortgage Brokerage and Direct Lender specializing in residential mortgage loans. Our unique position as both a direct lender and mortgage brokerage allows us to offer a comprehensive range of loan options while maintaining control over the lending process.
At Takers Brokerage, we believe in independence and transparency. As a direct lender, we are able to provide competitive pricing and top-tier service directly to our clients. Additionally, our brokerage arm allows us to broker loans to wholesale lenders when it serves our clients’ needs best.
What sets us apart is our exceptional team of originators, each a leader in their field with decades of combined experience in direct mortgage lending. This expertise allows us to navigate even the most complex lending situations with ease, ensuring our clients find the right solution tailored to their needs. Plus, our strong relationships with lender partners enable us to secure highly competitive rates, making us the clear choice for home lending.
We specialize in traditional lending while also offering a diverse range of loan types, including Non-QM, commercial, hard money, fix and flip, SBA, and more. Our versatility and expertise empower us to meet the diverse needs of our clients, whatever their situation may be.
With over $2.7 billion in total loans funded and a track record of being Rocket Mortgage’s #1 broker partner for more than 32 months, we have proven our dedication to excellence and success. Our founders, two prior top-producing originators lead our team with a deep understanding of both the front end and back end of mortgage lending.
Our mission at Takers Brokerage is to provide our clients with the best possible experience, treating them with the respect and care they deserve, and delivering solutions that truly serve their best interests.
Thank you for considering Takers Brokerage for your mortgage needs. We look forward to serving you and helping you achieve your homeownership dreams!
Loan Options
Conventional Loans
A home loan that is not insured or guaranteed by the government. It typically requires a higher credit score and a higher down payment compared to other loan programs.
FHA Loans
A home loan insured by the Federal Housing Administration that is designed to help borrowers with lower credit scores and smaller down payments.
VA Loans
A loan guaranteed by the Department of Veterans Affairs for eligible veterans, active-duty service members, and their spouses. It often offers favorable terms, including no down payment requirement and lower interest rates.
High Balance Loans
A high-balance loan, is a conventional mortgage that exceeds standard conforming loan limits but stays within higher limits set for expensive areas, allowing buyers in costly markets to get financing backed by Fannie Mae/Freddie Mac without needing a full jumbo loan.
Jumbo Loans
A loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans are typically used for more expensive properties and may require a higher down payment and stricter qualifying criteria.
DSCR Loans
A DSCR loan is usually used by real estate investors or commercial property owners to finance income-generating properties. The DSCR is a financial ratio that measures the property’s ability to cover its debt obligations. Lenders use this ratio to determine the borrower’s creditworthiness and the loan’s feasibility.
Commercial Loans
A construction loan is a type of loan that is used to finance the construction of a new building or property. It is typically a short-term loan that covers the expenses of the construction process, such as labor, materials, and permits. Once the construction is completed, the loan is typically refinanced into a long-term mortgage.
Hard Money Loan
A short-term loan typically used by real estate investors, where the loan is secured by the value of the property being purchased, rather than the borrower’s creditworthiness. These loans usually have higher interest rates and fees.
HELOAN
A HELOAN (Home Equity Loan) is a type of “second mortgage” that lets homeowners borrow against their home’s equity as a one-time, lump-sum payment, typically with a fixed interest rate and predictable monthly payments.
HELOC Loans
A loan that allows homeowners to borrow against the equity in their property. The loan is secured by the home and typically used for major expenses, such as home improvements or debt consolidation.
Self-Employed
A loan specifically designed for small businesses to finance their operations, purchase assets, or expand their business.
Investor Loan
An investor loan (or investment property loan) finances real estate bought for profit, not personal living, like rental homes, flips, or commercial spaces, featuring higher down payments, stricter credit rules, and often higher rates than primary mortgages because lenders see them as riskier, allowing investors to build wealth via income or appreciation.
Bank Statement Loans
A bank statement loan is designed for self-employed individuals or business owners who might have non-traditional income documentation. Instead of using tax returns and traditional income verification methods, lenders evaluate the borrower’s income based on their bank statements.
Low Credit
A low credit loan, or bad credit loan, is a personal loan for people with low credit scores (typically below 580), offered by lenders who specialize in riskier borrowers, but usually comes with higher interest rates (APRs), fees, and potentially smaller loan amounts, though some lenders look beyond just FICO scores, focusing on income and employment stability
Purchase
A purchase loan, often called a purchase-money mortgage, is a loan used to buy real estate, but instead of coming from a bank, it’s provided directly by the seller (seller financing/owner financing) or backed by the government (like a VA loan). It helps buyers who can’t get traditional loans by allowing the seller to act as the lender, accepting payments over time, often with terms negotiated directly between buyer and seller.
No Income
A “no income loan,” often a no-doc (no documentation) or NINA (no income, no asset) mortgage, allows borrowing without traditional proof like pay stubs, focusing instead on assets, credit, or the investment property’s potential rental income, common for self-employed, investors, or those with irregular income, but these loans carry higher risk and often require large down payments
Foreign Income
A foreign income loan, often called a Foreign National Loan, is a specialized mortgage for non-U.S. citizens living abroad who want to buy U.S. real estate but can’t get conventional loans due to lack of U.S. credit/SSN, allowing qualification using overseas income, assets, and foreign documentation like pay stubs or bank statements, often requiring larger down payments and sometimes carrying higher interest rates.
