Real Estate Loan Types
Mortgage-grade architecture for every real estate loan you fund.
LendingWise grew out of 10+ years in mortgage lending, so it already knows every party on a real estate loan and every deadline that can derail it, from bridge and fix & flip to DSCR, CRE, land and consumer mortgages.
Real estate loans are a team sport. LendingWise keeps every player on the same file.
One loan can involve a borrower, guarantors and their entity, a broker, loan officer, processor, underwriter, closer and funder, plus title, appraisers, insurance, attorneys and inspectors, all racing the same closing date. When that lives in inboxes and spreadsheets, deadlines slip and deals fall apart.
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A true mortgage architecture
Borrowers, guarantors, entities and their members, properties, brokers and every third-party contact are linked to the loan itself, not scattered across contact lists and folders.
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Every party in the right seat
Loan officers, processors, underwriters, closers and funders each work their own stage of the same file, while borrowers and brokers check status and upload docs through their own portals.
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Deadlines that don’t slip
Closing, maturity, insurance-expiration and property-tax dates live in one calendar, while workflow automation and AI doc review flag what’s due, expired or missing before it holds up funding.
Pre-built for every real estate loan type
Bridge Loans
Short-term financing for quick property acquisition or renovation projects.
Fix & Flip Loans
Funding for investors purchasing and renovating properties for resale.
Construction Loans
Financing for ground-up construction projects, including residential and commercial properties.
DSCR Loans
Debt Service Coverage Ratio loans tailored for rental properties, focusing on the property’s income potential.
Portfolio/Blanket Loan
Our platform supports cross-collateralizing many properties into one loan with detailed information on each property including: valuation, Rent rolls, cash flow, allocated loan amount, LTV, DSCR, ARV, LTC, LTP, etc…
CRE Lending
Commercial Real Estate loans for purchasing or refinancing office buildings, retail spaces, multi-family units, and industrial properties.
Residential or Commercial Land Loans
Financing options for purchasing undeveloped land, whether for residential or commercial development, including lot loans and raw land loans.
Consumer Mortgages
Conventional Loans (Fannie Mae/Freddie Mac), FHA, VA, Jumbo & Non-QM.
Core Features
Loan Application Intake with Required Document Upload
A streamlined application process with customizable forms that ensure all necessary documents (e.g., property appraisals, title documents, income verification) are uploaded at the point of application.
Workflow Automation
Automated processes that trigger next steps based on loan status, including document requests, appraisal orders, compliance requirements, and borrower communications.
Document Generation
Automatically generate commonly used documents such as term sheets, loan estimates, closing disclosures, mortgage notes, and SBA-specific forms at various stages of the loan origination process.
Pipeline Management
Visual tracking of each loan from application to closing, with real-time status updates and task assignments to team members.
E-Signature Integration
Simplify the signing process with built-in e-signature capabilities for quick and secure document execution.
You can fully customize existing or new loan programs and set the exact fields, required docs, workflow steps & guidelines accordingly. & Calculations
Tailor loan terms and conditions to match specific real estate financing needs, including adjustable rates, balloon payments, and interest-only periods. Supported calculations & ratios: LTV, DTI, DSCR, LTC, ARV, Etc…
Customizable Guidelines
Build out your own or back end investor/lender eligibility guidelines, so the system knows what fields, required docs & workflow steps to follow on every loan.
White-Labeled User Architecture
Empower your broker channel with a fully white-labeled portal that reflects their brand identity. This feature supports multiple branches or offices, allowing brokers to manage their own teams, loans, and communications under their own branding.
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