We Built FlexPoint for the Borrowers Other Lenders Overlook
Most mortgage companies offer a handful of programs and hope you fit one of them. We took a different approach — 20+ loan programs, nearly 30 years of experience, and a team that gives you a straight answer even when that answer isn't what you hoped to hear.
- In Business Since 1996
- $5B+ in Loans Funded
- 20+ Loan Programs
- NMLS #243082 Licensed
- Multi-State Licensed
- Professionals Since 1996
- $5B+ In Loans Funded
- NMLS #243082 Licensed
- 20+ Loan Programs
- Multi-State Licensed
- 24-Hour Pre-Approvals
Our Story
Nearly 30 Years. A Lot of Loans. One Consistent Standard.
FlexPoint Inc. was founded in 1996 with a straightforward premise: borrowers deserve options, not a single product shoved in front of them because it's easiest for the lender to sell.
We've been through every market cycle imaginable — the run-up of the early 2000s, the financial crisis of 2008, the historically low-rate environment of the 2010s, and the sharp rate corrections that followed. Each cycle tested us. Each one also taught us something about what borrowers actually need when the market isn't cooperating.
What we learned: flexibility wins. Not just in the programs we offer, but in the way we think about a borrower's situation. Self-employed? There's a program for that. Real estate investor with too many write-offs? We have a loan that doesn't care about your tax returns. First-time buyer with a thin credit file? Let's find the path.
Over $5 billion in funded loans later, that philosophy hasn't changed. We still match the loan to the person — not the other way around.
$5B+
In Real Estate Loans Funded
Across every loan type, market cycle, and borrower situation since 1996
20+
Loan Programs
28
Years in Business
24hr
Pre-Approval Speed
640+
Min Score (DSCR)
What We Stand For
The Values Behind Every Loan We Close
We don't have a mission statement on a conference room wall. What we have is a set of things we actually believe — and you'll notice them in every conversation you have with us.
Straight Answers, Always
If a program isn't right for you, we'll tell you — even if that means pointing you somewhere else. You deserve honest information, not a sales pitch.
The Loan Fits You — Not Vice Versa
We built a 20+ program menu specifically so we could match borrowers to the right product, not retrofit borrowers into the programs we happen to offer.
Speed That Actually Matters
A pre-approval that takes two weeks doesn't help you compete in a fast market. Most clients hear back within 24 hours — because your timeline matters.
Compliance Without Compromise
NMLS #243082. Licensed. Regulated. Transparent. We take our regulatory responsibilities seriously because your financial future depends on it.
Long-Term Relationships
We've worked with borrowers on their first home and their tenth rental property. Our goal is to be the lender you call every time — not just the first time.
Education Over Pressure
You should understand what you're signing. We walk through the numbers with you — rates, terms, tradeoffs — before you ever make a decision.
Our History
How We Got Here
Nearly three decades of lending, learning, and expanding what we can offer borrowers.
1996
FlexPoint Inc. Is Founded
We opened our doors with a clear purpose: give borrowers real options and real answers. Our early focus was conventional and government loans for homebuyers and refinancing homeowners.
Early 2000s
Expanding to Serve More Borrowers
As the housing market expanded, so did we. We added Jumbo, VA, and FHA programs and built relationships with a broader network of lending partners to expand what was possible for our clients.
2008–2012
Surviving — and Learning From — the Crisis
The financial crisis reshaped the mortgage industry. Many lenders disappeared. We didn't. We tightened our standards, deepened our expertise in credit analysis, and came out the other side with a stronger understanding of responsible lending.
2013–2018
Non-QM Programs Take Shape
As the market recovered, we saw a gap: self-employed borrowers, investors, and anyone with non-traditional income were still being turned away by conventional lenders. We built out our Non-QM portfolio — bank statement loans, 1099 programs, P&L qualification, and asset utilization — specifically to close that gap.
2019–2022
DSCR Investor Lending Becomes a Core Focus
Real estate investing surged, and so did demand for DSCR loans — a product that qualifies on the property's rental income rather than the borrower's personal income. We built out programs for 1–4 unit, 5–8 unit mixed-use, and cross-collateral portfolios up to $6.25M, becoming a go-to lender for investors across the country.
Today
$5B+ Funded. 20+ Programs. Still Growing.
FlexPoint is a full-service mortgage company with 20+ programs for homebuyers, homeowners, veterans, self-employed borrowers, real estate investors, and more. Over $5 billion funded. The same commitment we had in 1996 — just with a lot more tools to deliver on it.
Our Team
Loan Officers Who Know Their Programs Cold
We don't hire generalists. Every loan officer at FlexPoint is trained across our full program menu — because you can't match a borrower to the right product if you only know two or three of them.
When you call us, you're talking to someone who can tell you the difference between a bank statement loan and a 1099 loan, explain why a DSCR might work better than a conventional investment property loan, or walk through the VA benefit you've earned and never fully understood.
We ask questions before we offer answers. We give you honest assessments even when a different path makes more sense. And we don't pressure — because a loan that isn't right for you isn't a win for anyone.
"Our job isn't to close a loan. It's to make sure you close the right loan — at the right time, on the right terms, with a clear understanding of what you're doing and why.
— The FlexPoint Team
- ✓No credit pull required for initial consultation
- ✓Response within 24 hours — usually the same day
- ✓Plain-English explanations, no jargon
- ✓Honest feedback even when it's not what you want to hear
- ✓NMLS #243082 — licensed, regulated, and verifiable
Why Borrowers Choose Us
What Makes FlexPoint Different
There are a lot of mortgage companies. Here's what separates us from most of them.
20+ Loan Programs
Conventional, VA, FHA, USDA, Jumbo, Non-QM, DSCR, ITIN, Foreign National, Home Equity, DPA, CalHFA — more options means more people get to yes.
Self-Employed Specialists
Bank statements. 1099s. P&L statements. Asset utilization. We have four different ways to qualify borrowers who write off too much for a conventional loan.
Investor Lending Expertise
DSCR loans that qualify on rental income — not your W-2. From your first property to a $6.25M cross-collateral portfolio, we've closed them all.
VA Loan Experience
$0 down, no PMI, competitive rates. We know the VA program well and we know how to make the most of a benefit that's been earned and deserved.
24-Hour Pre-Approvals
Most clients hear back the same business day. When you're trying to compete on a purchase offer, speed isn't a nice-to-have — it's essential.
ITIN & Foreign National Programs
No Social Security number? Not a U.S. citizen? We have programs built specifically for ITIN borrowers and foreign nationals purchasing U.S. property.
Our Programs
20+ Programs. One Team That Knows Them All.
Whatever your situation — homebuyer, homeowner, investor, veteran, self-employed, or anything in between — we have a program built for it.
Have a Question? Let's Talk.
Whether you're trying to figure out which program fits, or you already know what you need and want to get started — reach out. A real loan officer will get back to you within 24 hours.
- SSL Secured
- No Credit Pull
- NMLS #243082
- Multi-State Licensed
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
Frequently Asked Questions About FlexPoint
Common questions people ask when they're getting to know us.