Western Alliance Bank offers end-to-end services and tools for mortgage bankers and originators including a specialized program of Non-QM and Non-Agency loan purchasing, warehouse lines of credit, as well as Note Financing and MSR Financing.

With our buy-and-hold approach to correspondent loan investment, clients can access an assured source of funding and liquidity. We also offer a range of warehouse lines of varying sizes, customized to the needs of your business. Our customer-focused approach delivers the personalized service of a more specialized bank, alongside the strong capital and significant know-how you expect of a larger institution.

Our Correspondent Mortgage Solutions team invests in specialized loans to help residential mortgage originators broaden liquidity and expand loan volume. Through our wholly owned portfolio program, our bankers can customize mortgage parameters for your business, unrestricted by standard securitization guidelines.

Types of loans:

• Jumbo
• Expanded Non-Agency
• Debt Service Coverage Ratio (DSCR) for Investment Properties
• Asset-Qualified
• Bank Statement Documentation (Complex Income, Self-Employed)
• Scratch and Dent
• Interest-Only

Our Mortgage Warehouse Lending team provides flexible funding lines up to $50 million, custom investor approval and individualized customer services including one-on-one onsite training.

Loan types we offer:

• Agency/Conforming
• Jumbo
• Non-QM
• Home Affordable Refinance Program (HARP)
• Bond Loans
• Second Mortgages
• Reverse Mortgages

Western Alliance Bank offers Mortgage Servicing Rights (MSR) financing facilities that provide you flexible and powerful access to capital.

• Developed to help mortgage originators leverage their Mortgage Serving Rights
• Offers lines that leverage Fannie Mae, Freddie Mac and Ginnie Mae collateral
• Provides flexible structures to accommodate originators’ MSR retention strategy. MSR lines of credit provide an interest-only draw period followed by term finance

In an industry where speed and efficiency are key, our flexible note financing facilities may be the power tool you need for quick access to capital.

• Provides financing to institutional debt funds to solve cash management disruptions between sources and uses of investor capital and deal flow.
• Offers fast, dependable, and flexible daily funding across multiple real estate secured note asset classes.
• Targets lines to borrowers who maintain a commensurate amount of equity.*
• Provides customers with a highly efficient source of capital tailored to the quick-close business model of private loan origination.

* All offers are subject to credit approval.