# LoanStream Wholesale Mortgage Lending > LoanStream Wholesale Lending offers conventional, government-backed (FHA, VA, USDA), and Non-QM mortgage loan products to mortgage brokers, bankers, and correspondent lenders, with fast underwriting and competitive wholesale pricing. ## AI Loan Matrix Rules (Non-QM) Machine-readable matrix guidelines for AI assistants (ChatGPT, Claude, Perplexity, Grok, and other chatbots). These stable URLs always serve the current matrix; matrices change regularly, so check daily for updates. - [Non-QM Select & Core Matrix Rules](https://loanstreamwholesale.com/ai/non-qm-matrix.txt): LTV, FICO, and loan-amount eligibility for Full Doc and Alt Doc Non-QM programs. - [Non-QM Core Flex Matrix Rules](https://loanstreamwholesale.com/ai/non-qm-core-flex-matrix.txt): Flexible Non-QM program with expanded eligibility for self-employed and asset-based borrowers. - [DSCR 1-4 Unit Investor Matrix Rules](https://loanstreamwholesale.com/ai/dscr-matrix.txt): Six DSCR programs for 1-4 unit investment properties — Select, Core, Fusion, Sub1, No Ratio, and Foreign National. - [DSCR 5-8 Unit Residential Matrix Rules](https://loanstreamwholesale.com/ai/dscr-5-8-unit-matrix.txt): DSCR eligibility for larger 5-8 unit residential investment properties. - [Closed End Second (CES) Matrix Rules](https://loanstreamwholesale.com/ai/closed-end-second-matrix.txt): Second-lien CLTV limits for Full Doc, Alt Doc, and DSCR borrowers. ## Loan Programs ### Non-QM Programs - [Non-Conforming / Non-QM Overview](https://loanstreamwholesale.com/non-conforming-wholesale-loan-programs/): Overview of non-conforming and Non-QM loan options (Select, Core, Full Doc, Alt Doc). - [Non-QM Bank Statement](https://loanstreamwholesale.com/non-qm-bank-statement-loans/): For self-employed borrowers using bank statements for income verification. - [Non-QM DSCR Investor](https://loanstreamwholesale.com/non-qm-dscr-investor/): For real estate investors qualifying on Debt Service Coverage Ratio. - [Non-QM Asset Utilization](https://loanstreamwholesale.com/non-qm-asset-utilization/): Allows borrowers to qualify based on their liquid assets. - [Non-QM 1099](https://loanstreamwholesale.com/non-qm-1099/): For borrowers with 1099 income documentation. - [Non-QM Full Doc](https://loanstreamwholesale.com/non-qm-full-doc/): Full documentation Non-QM program for traditional borrowers. - [Non-QM ITIN](https://loanstreamwholesale.com/non-qm-itin/): For borrowers with an Individual Taxpayer Identification Number. - [Non-QM Closed End Seconds](https://loanstreamwholesale.com/non-qm-closed-end-seconds/): Second mortgage options under Non-QM guidelines. - [Non-QM Buydowns](https://loanstreamwholesale.com/non-qm-buydowns/): Temporary and permanent rate buydown options on Non-QM loans. ### Conventional and Government Programs - [Conventional (FNMA / FHLMC)](https://loanstreamwholesale.com/conventional/): Fannie Mae and Freddie Mac conventional loans and 2026 conforming loan limits. - [FHA Loans](https://loanstreamwholesale.com/fha-loans/): Federal Housing Administration loan programs. - [VA Loans](https://loanstreamwholesale.com/va-programs/): Loan programs for veterans and active military personnel. - [USDA Loans](https://loanstreamwholesale.com/usda/): Loans for rural property buyers through the U.S. Department of Agriculture. ### Additional Loan Options - [Jumbo One](https://loanstreamwholesale.com/prime-jumbo-program/): Prime jumbo loans for higher loan amounts. - [HELOC One](https://loanstreamwholesale.com/programs/heloc/): Home Equity Line of Credit program. - [Alt Agency](https://loanstreamwholesale.com/alt-agency/): Alternative agency loan products. - [Buydown Loans](https://loanstreamwholesale.com/buydown/): Loans that allow for interest rate buydowns. - [MaxOne Down Payment Assistance](https://loanstreamwholesale.com/maxone-down-payment-assistance-program/): MaxOne, MaxOne Plus, and MaxOne HomeAssist DPA programs, proprietary to LoanStream. ## Loan Matrices (PDF) - [Conventional Matrix (FNMA / FHLMC)](https://loanstreamwholesale.com/conventional/): Conventional PDF matrices and 2026 conforming loan limits. - [FHA Matrix](https://loanstreamwholesale.com/fha-loans/): FHA PDF matrix. - [VA Matrix](https://loanstreamwholesale.com/va-programs/): VA PDF matrix. - [USDA Matrix](https://loanstreamwholesale.com/usda/): USDA PDF matrix. - [Non-QM Matrices](https://loanstreamwholesale.com/non-conforming-wholesale-loan-programs/): PDF matrices for all Non-QM programs (Select, Core, Core Flex, Full Doc, Alt Doc, Bank Statement, DSCR, Asset Utilization, 1099, ITIN, Closed End Seconds, Buydowns). - [HELOC Matrix](https://loanstreamwholesale.com/programs/heloc/): HELOC PDF matrix. ## Rate Sheets - [All Program Rate Sheets](https://loanstreamwholesale.com/rates-enter/): Current wholesale rate sheets for Non-QM, Closed End Seconds, Conventional, FNMA, FHLMC, FHA, VA, and USDA. ## Tools and Calculators - [DSCR Calculator](https://loanstreamwholesale.com/dscr-calculation-form/): Calculate Debt Service Coverage Ratio. - [EZCalc Income Calculator](https://loanstreamwholesale.com/ezcalc/): Simplified income calculation tool. - [Closed End Second Calculator](https://loanstreamwholesale.com/closed-end-second-calculator/): Loan calculator for closed end seconds. - [1-0 / 2-1 Buydown Calculator](https://loanstreamwholesale.com/1-0-2-1-buydown-calculator/): Calculate temporary buydown options. ## Broker Resources - [Get Approved](https://loanstreamwholesale.com/get-approved/): Application for mortgage brokers to get approved with LoanStream. - [LoanStream Lounge](https://lsmlounge.com): Submission, pricing, lock, and funding portal for approved brokers. - [Approved Credit Vendors](https://loanstreamwholesale.com/broker-resources/approved-credit-vendors/): List of approved credit-check vendors. - [Order an Appraisal](https://loanstreamwholesale.com/order-an-appraisal/): Order a property appraisal. - [FHA Case Request](https://loanstreamwholesale.com/contactus/?help=FHA%20Case%20Transfer): Request an FHA case number or transfer. - [Loan Servicing Support](https://loanstreamwholesale.com/contactus/): Assistance for existing loan servicing inquiries. ## Marketing and Training - [Marketing](https://loanstreamwholesale.com/marketing): Marketing resources for loan products. - [Broker Training](https://loanstreamwholesale.com/brokertraining/): Training programs for mortgage brokers. - [Webinars](https://loanstreamwholesale.com/webinars/): Educational webinars on mortgage topics. - [Trade Events](https://loanstreamwholesale.com/about/tradeshow-events/): Upcoming trade shows and events. ## Contact - [Contact Us](https://loanstreamwholesale.com/contact/): Reach out for inquiries or support. - [Phone](tel:18007601833): Call (800) 760-1833 for assistance. ## Company Information - [About](https://www.lsmortgage.com/about/): Overview of LoanStream Wholesale Lending. - [Leadership Team](https://www.lsmortgage.com/our-leadership-team/): Company leadership. - [Careers](https://loanstreamwholesale.com/careers/): Job opportunities at LoanStream. - [Licensing](https://www.lsmortgage.com/licensing/): Mortgage lending licensing information. - [Privacy Policy](https://www.lsmortgage.com/home/privacy-policy/): Company privacy practices. - [2025 Scotsman Guide Non-QM Ranking](https://www.scotsmanguide.com/rankings/top-mortgage-lenders/2025-top-non-qm-lenders/): Industry recognition and rankings. ## Optional - [News & Announcements](https://loanstreamwholesale.com/news/): Latest updates and announcements. - [LinkedIn](https://www.linkedin.com/company/loanstreammortgage): LoanStream on LinkedIn. - [Facebook](https://www.facebook.com/LSWholesale/): LoanStream on Facebook. - [Instagram](https://www.instagram.com/loanstreamws/): LoanStream on Instagram. - [YouTube](https://www.youtube.com/channel/UCloU1WVxDfYSsCNK3UfR7PA): LoanStream video content. - [Sitemap Index](https://loanstreamwholesale.com/sitemap_index.xml): Full XML sitemap index.