A′Prime
Alpha Prime
Full Doc & Bank Statement- Min FICO
- 680
- Max LTV
- 90%
- BK Season
- 48 mo
- Housing Event
- 48 mo
- Loan Amount
- to $3.0M
Wholesale · Non‑QM · Jumbo · RTL
Lending built on bedrock.
Rockstone is a wholesale mortgage lender founded by originators, for originators. Fifteen loan programs, one pricing desk, and forty years of underwriting judgment behind every file you send us.
15Loan Programs
$50MMax Loan Amount
40+ YrsIndustry Experience
Same‑DayBroker Sign‑Up
Core Sample
15 STRATAA′Alpha Prime680 FICO · 90% LTV
ΑAlpha660 FICO · $5.0M
ΒBeta620 FICO · 0mo season
JJumboto $20.0M
ΔDelta · InvestorDSCR · $5.0M
ΖZeta · Foreign Nat'lNo FICO req.
ΓGamma · Multi‑Unitto $50.0M
ΩOmega · NonQM Jumbo720 FICO
PMPrivate MoneyNo min FICO
Drill for full matrix↓ view all
By originators, for originators.
Off‑sheet pricing available.
Free marketing consultation.
Call (866) 281‑3111
The Matrix
Fifteen programs. One drill‑down to the right fit.
Full doc, bank statement, DSCR, no‑ratio and asset‑depletion options across primary, investment and commercial collateral — priced and underwritten in house.
ΑStandard
Alpha
Full Doc & Bank Statement- Min FICO
- 660
- Max LTV
- 90%
- BK Season
- 12 mo
- Housing Event
- 12 mo
- Loan Amount
- to $5.0M
ΒFlexible
Beta
Full Doc & Bank Statement- Min FICO
- 620
- Max LTV
- 85%
- BK Season
- 0 mo
- Housing Event
- 0 mo
- Loan Amount
- to $3.0M
JJumbo
Jumbo
Full Doc & Bank Statement- Min FICO
- 620
- Max LTV
- 90%
- BK Season
- 48 mo
- Housing Event
- 36 mo
- Loan Amount
- to $20.0M
ΔInvestor
Delta
Full Doc, DSCR & No Ratio- Min FICO
- 620
- Max LTV
- 85%
- BK Season
- 24 mo
- Housing Event
- 24 mo
- Loan Amount
- to $5.0M
ΖForeign Nat'l
Zeta
Full Doc, DSCR, Asset Depletion- Min FICO
- Not req.
- Max LTV
- 75%
- Requires
- Passport + Visa
- Property
- 2nd Home / Inv.
- Loan Amount
- to $3.0M
PMBespoke
Private Money
No Ratio, DSCR, Full Doc- Min FICO
- None
- Max LTV
- Per scenario
- Seasoning
- None
- Loan Amount
- to $50.0M
ΩNonQM Jumbo
Omega
Full Doc, Alt Doc- Min FICO
- 720
- Max LTV
- 70%
- BK Season
- 48 mo
- Loan Amount
- to $10.0M
FLFix & Flip
Flip
No Doc, Full Doc, DSCR- Min FICO
- 600
- Max LTV
- 90%
- Investor
- Seasoned / New
- Loan Amount
- to $10.0M
Σ2nd Mtg / HELOC
Sigma
Full Doc, Alt Doc, DSCR- Min FICO
- 660
- Max LTV
- 90%
- Turn Time
- Quick
- Loan Amount
- to $500K
Why Brokers Choose Rockstone
The things we do best.
01
Awesome Support
Direct lines to account executives, account managers and Non‑QM underwriters who actually pick up the phone.
02
Company
More than 40 years of combined mortgage industry experience behind our wholesale loan origination desk.
03
What Is Non‑QM?
A quick primer on Non‑QM & Non‑Prime products, and how they help you serve borrowers agency guidelines leave behind.
04
Management
A direct line to our managing directors — real access when a file needs a decision, not a ticket queue.
"
Non‑QM volume is on pace to double over the next five years. The brokers who win this cycle are the ones educating borrowers, agents, accountants and referral sources today — not waiting for the market to explain itself.— Rockstone Managing Director