Residential
Conventional, jumbo, refinance, HELOC, renovation, and construction — plus dedicated VA and FHA programs in California.
Residential & Commercial · Nationwide
If there's a lending opportunity, we find the funding.
Institutional to private. Prime credit to credit-challenged. Self-employed, foreign national, investor, or first-time buyer — if someone else told you no, that's usually where we start.
Every borrower, every scenario
Most brokers work from one lender's rate sheet. We work the whole market.
A single bank has one set of rules, and if your file doesn't fit them, you hear "no." We're not tied to one box. Across residential, commercial, and pure business capital, we place loans with institutional lenders, agency programs, non-QM specialists, and private capital — so the question isn't whether you fit a program, it's which program fits you.
Market snapshot
Today's market reference rates
National average rates published by the Federal Reserve, updated automatically. These are market benchmarks to help you gauge conditions.
Live rates are temporarily unavailable. Contact us for current pricing on your scenario.
For informational purposes only. These are national average market indices, not a rate quote, offer of credit, or commitment to lend. Your actual rate and APR depend on your full application, credit, property, and program, and will differ. Ashlar Lending, NMLS #2699657. Equal Housing Opportunity.
What we can fund
Nine financing categories, spanning nearly every borrower and property type. VA and FHA are available in California; all other programs are nationwide.
Non-QM & Alt-Doc
Bank-statement, 1099-only, P&L, asset-depletion, and interest-only loans for self-employed and complex-income borrowers.
Credit Solutions
Recent bankruptcy, foreclosure, or short sale? Lower-FICO and recent-event programs built for the comeback.
Foreign National & ITIN
Buy or refinance U.S. property without U.S. credit or a Social Security number. DSCR and full-doc foreign national programs.
Investor & Rental
DSCR, fix-and-flip, BRRRR, rental portfolio, and bridge financing that qualify on the deal, not just your paycheck.
Commercial
Permanent, SBA 7(a) and 504, CMBS, multifamily, bridge, and construction across every commercial property type.
Private Capital
Hard money, bridge, transactional, and land loans when speed and flexibility matter more than a rate sheet.
Business Financing
SBA, term loans, lines of credit, equipment financing, invoice factoring, and working capital for operating businesses.
Specialty
Physician loans, manufactured homes, 1031-exchange bridges, cross-collateral, and other niche scenarios.
How it works
Three steps, and no wasted applications
1. Tell us your scenario
Share the basics through one short form — no full application, no hard credit pull to start. Whatever your situation, describe it in plain terms.
2. We match it to the market
We take your file to the lenders and programs that actually fit it — instead of forcing it into one bank's box and hoping.
3. You get a real path forward
You hear back with options and next steps. If there's a way to fund it, we'll show you the route.
Free tools
Run your numbers before you ever call
A full library of mortgage, investor, and commercial calculators — payment, affordability, DSCR, cap rate, LTV, debt yield, and more — plus the current national average mortgage rate for reference.