About Us

At Olive Tree Loans, we believe everyone deserves a path to homeownership. If you are a first-time homebuyer, a self-employed borrower, or someone navigating a low credit score, we specialize in securing low-rate home loans when traditional banks say no.

The real estate market moves fast, and delay can cost you your dream home. That’s why our mortgage specialists are available 7 days a week—including evenings, weekends, and holidays. We deliver rapid responses via phone, text, or email, ensuring you get pre-approved quickly and stay ahead of the competition.

-Bad Credit & Low Credit Score Mortgages: Specialized financing options to help buyers with past credit challenges secure competitive mortgage rates.
-Self-Employed Mortgage Solutions: Bank statement loans and non-QM financing that use actual cash flow instead of tax returns to qualify.
-First-Time Homebuyer Assistance: Step-by-step guidance, low down payment options, and down payment assistance programs.
-Second-Chance Loan Approval: Custom loan structuring for borrowers previously turned down or rejected by other lenders.
-7-Day Direct Access: Real-time pre-approvals and immediate client support via text, phone, or email—day or night.

At Olive Tree Loans, our mission is to deliver accessible bad credit home loans and specialized non-QM mortgage solutions tailored for every borrower profile. We specialize in low-credit home financing, offering 500 FICO score FHA loans and VA loans for 500 credit scores with debt-to-income (DTI) ratios up to 65%. For applicants with past credit challenges, outstanding collection accounts, or tax liens, our expert originators utilize manual underwriting mortgage guidelines to approve and close loans that traditional banks turn down.

For business owners and independent contractors, our self-employed mortgage programs bypass traditional tax return requirements. We provide an array of flexible income verification products, including 12-month bank statement loans, P&L statement mortgages, stated income loans, asset depletion mortgages, and no-doc investor loans. Whether you are purchasing a primary residence, buying a vacation property, or acquiring real estate investment properties, we match your unique financial profile to agency and non-QM lending guidelines to ensure your loan gets approved quickly.

At Olive Tree Loans, we recognize that prompt communication with your licensed mortgage loan officer is essential when navigating the home loan pre-approval process. Traditional banking hours often delay critical real estate transactions, which is why our dedicated team provides continuous accessibility through phone, text, and email. Whether you need immediate support submitting mortgage documents or securing a fast home purchase pre-approval letter, you can call or text 855-229-6454 for immediate assistance, or email kingsley@olivetreeloans.com to connect with an experienced mortgage broker. By eliminating standard office-hour restrictions, we ensure homebuyers, real estate investors, and self-employed borrowers receive the real-time answers and flexible home financing support needed to win competitive bids and close loans quickly.

For homebuyers and real estate investors who fall outside traditional lending criteria, Olive Tree Loans offers specialized non-QM loan programs and alternative financing solutions. Qualified borrowers can secure traditional jumbo loans up to 90% LTV with credit scores starting at 660 FICO and debt-to-income (DTI) ratios up to 50%. For clients with past credit challenges, our non-QM jumbo mortgage options accommodate credit scores as low as a 500 FICO. As a trusted national one-stop mortgage shop, we leverage our expansive wholesale lender network to deliver flexible underwriting, competitive interest rates, and tailored alternative home loans when traditional banks say no.

As an expert wholesale advisor, Olive Tree Loans specializes in alternative income mortgage financing for borrowers who fall outside rigid bank guidelines. Our robust selection of non-QM home loans includes 12-month bank statement loans, no-doc investor mortgages, asset depletion loans, and stated income mortgages, giving self-employed buyers and entrepreneurs flexible pathways to homeownership. While expanding our mortgage licensing nationwide, we bridge the gap for homebuyers, real estate agents, attorneys, and industry professionals seeking reliable alternative home financing solutions when traditional lenders decline approval.

A major cause of last-minute mortgage rejections is inadequate borrower vetting before issuing a verified mortgage pre-approval letter. At Olive Tree Loans, we eliminate this friction by thoroughly underwriting and qualifying every borrower before sending a commitment letter. Over 75% of our clients come to us after being turned down by other lenders due to restrictive internal requirements. As a direct wholesale lender, we offer zero lender overlays on FHA, VA, USDA, and Conventional loans, ensuring you get approved strictly based on automated underwriting system (AUS) agency guidelines without added bank red tape.