Business Purpose Only Broker App

Become an Approved Business-Purpose Mortgage Broker

Please complete the application below to join Gradient Mortgage Capital as an approved broker. Once submitted, our team will review and respond quickly so you can begin accessing our DSCR and Small Balance Commercial loan programs.

 

All fields marked with an asterisk (*) are required. For assistance at any time, our team is here to help.

 
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Why Brokers Choose Gradient Mortgage Capital

A Smarter, Faster Broker Experience
 
 

Efficient Lending Partner

“As a Small Balance Commercial lender since 2005 and having worked with many lenders over the years, I can say that signing up with Gradient has to be one of the simplest—if not the simplest—broker application processes I’ve experienced. When a company has a seamless sign-up process, it usually carries over into how efficient they are throughout the transaction. I’m excited and looking forward to working with Gradient.”

Jesus C., Approved Broker

Our team is committed to giving brokers and bankers a streamlined, frictionless experience from onboarding to closing.

Smooth Loan Process

As your lending partner, we provide efficient workflows designed for speed, transparency, and certainty. From approval to closing, you gain access to:

 

  • Fast turn times
  • Clear communication
  • Predictable execution
  • A dedicated support team

 

Together, we help you grow your production, deliver consistent service to your investor clients, and maintain confidence at every step.

 

Flexible Mortgage Loans

Whether your clients are first-time investors or seasoned operators, we offer flexible financing solutions to help you close more deals. Our programs include:

 

Small Balance Commercial Loans

 

  • Loan amounts up to $5 million
  • Partial interest-only periods
  • Fixed and adjustable-rate options
  • Flexible underwriting focused on asset performance

Investor Residential DSCR Loans

 

  • 1–4-unit investment properties, including STRs
  • No personal income documentation required
  • Competitive pricing, fast approvals, and broker-friendly structures
 

Instant DSCR Loan Pricing Tool

Get real-time loan estimates using our advanced DSCR calculator. Evaluate property cash flow, determine eligibility quickly, and provide your clients with clear, confident guidance. Our technology delivers transparency and precision—helping you structure more investor loans with less risk.

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