The go-to mortgage brokerage for investors, expats, and self-employed buyers financing U.S. real estate from anywhere in the world!
Borderless Mortgages
We find a "yes" when others say "No"
NMLS #2727066
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
+1-786-442-1889
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100% Digital, Client-First Experience
From application to closing, our secure digital process makes it easy to apply, upload documents, and track progress from anywhere in the world.
35+
Wholesale Lenders
who we are?
Your Trusted Partner in Modern Home Financing
As an independent mortgage brokerage, MortgageToday provides access to 35+ wholesale lenders nationwide, allowing us to shop for loan options and offer flexible programs, competitive pricing, and alternative underwriting beyond traditional banks.
We believe homeownership and real estate investing should be simple, transparent, and borderless — serving first-time buyers, investors, expats, and self-employed borrowers across the U.S.
what we offer ?
Effortless Mortgages. Real-World Solutions.
Non-QM & Alternative Income Expertise
We specialize in solutions beyond W-2 income, including bank statement loans, DSCR investor programs, HELOCs, and options for self-employed and non-traditional borrowers.
Home Purchase
Financing options for Primary Residences, Second Homes, and Bridge Loans with competitive terms and flexible guidelines.
Clear Pre-Approval
Know your buying power before you shop.Flexible Loan Options
Programs for first-time buyers, like Shop before you Sell & Down-Payment Assistance.Guided From Start to Close
Personal Support through Underwriting and Closing.
Refinance
Lower your rate, change your loan term, or access cash through refinance options tailored to today’s market.
Lower or Restructure Payments
Explore options to reduce payments or adjust your loan term.Cash-Out Opportunities
Access equity through refinance when it makes sense.Smooth, Digital Process
Secure application and document upload from anywhere.
HELOC & Equity Loans
Access your home’s equity with HELOCs and home equity loans — without refinancing your existing first mortgage.
Access Equity Without Refinancing
Tap into your home’s value while keeping your first mortgage.Flexible Use of Funds
Ideal for renovations, debt consolidation, or investments.Fast, Streamlined Process
Efficient approvals with a fully digital experience.
Investor Loans
Investor-focused financing, including DSCR, Fix &Flip, and portfolio loans — qualify based on property cash flow, not personal income.
Cash-Flow Based Qualification
Investor programs that focus on property performance.Portfolio-Friendly Options
Finance single properties or multiple investments.Built for Speed
Designed to move quickly in competitive markets.
Self-Employed
Flexible mortgage options using Bank Statements, or Alternative Income documentation for Self-Employed Borrowers..
Alternative Income Options
Qualify using Bank Statements or Non-Traditional documentation.Flexible Underwriting
Solutions designed for Business owners and Entrepreneurs.Common-Sense Approach
Loans structured around Real-World Finances.
Global Borrowers
Specialized programs for Foreign Nationals, Expats, ITIN borrowers, and Alternative Asset profiles — including Crypto-friendly lending options.
Foreign National & Expat Programs
Financing options for U.S. property buyers living abroad.ITIN & Alternative Profiles
Programs available beyond standard credit structures.Modern Lending Solutions
Including crypto-friendly options where available.
why choose us?
Helping You Build Long-Term Wealth Through Real Estate
Purchase
Refinance
Home Equity
Lender Access
Digital Experience
Non-QM & Home Equity Expertise
Why MortgageToday works better than a Bank
Personal Guidance, Not Call Centers
You work directly with an experienced mortgage professional who understands your goals and structures financing around your unique situation.
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
Testimonials
— Oscar P.
Kevin was amazing. Other basic lenders couldn’t make it work but Kevin helped us figure out a way to make it happen. We had several issues and surprises come up while trying to close on our loan but Kevin was there every step of the way to offer support and guidance. Excellent company to work with. I can’t recommend them enough.
— Joan M.
Worked with Kevin on opening a HELOC for our home and we are so grateful for Kevin and all his help on getting this done successfully. He was very attentive and helpful. He answered all of our questions and was very informative. We are very appreciative of all of his help and will be working with Kevin in the future with any home financial needs. Thank you for making it so easy.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from 24 hours to 1 week. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your real estate goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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