AI Accelerated
Hard Money & DSCR Loans for Real Estate Investors.
Decision in Minutes
AI-powered bridge loans, DSCR loans, and hard money lending for non-owner occupied properties nationwide. No income verification. No tax returns. Get a term sheet in minutes and close faster than cash buyers.
AI-Powered
AI-Powered Underwriting That Closes Faster Than Cash Buyers
Traditional banks move slow. They want two years of tax returns, W-2s, pay stubs, and months of your time — only to say no to the deals that matter most.
New Century Mortgages was built differently. Our AI-powered underwriting platform evaluates your deal based on what actually matters: the property’s value, cash flow, and potential. We deliver term sheets in minutes, not days — so you can move fast, negotiate with confidence, and close deals your competition can’t touch.
- Personal Service
- 4-Day Draw Processing
- Strategic Partnership
- 100% In-House
Loan Programs
Our Loan Programs
New Century Mortgages offers a full suite of asset-based lending solutions for serious real estate investors. Whether you’re holding, flipping, or bridging to your next deal, we have capital ready to deploy.
DSCR Loans
Qualify based on property cash flow, not personal income. No minimum DSCR required. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
New Construction
Ground-up construction financing for experienced builders. Build to rent or build to sell. Competitive terms for infill development.
Hard Money / Asset Based
Loan decisions based on property value, not credit. Construction draws in 4 days. Quick approvals for time-sensitive deals.
Portfolio Loans
Consolidate 5+ rental properties into one loan. Single payment, better cash flow. Lower rates and origination fees.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, industrial. Financing for stabilization and value-add projects.
5- Minute Approval. Zero Paperwork.
Our AI analyzes 20+ property factors instantly. Get conditional approval and proof of funds letter while you’re still at the property.
5 Min Approval
Average Approval Time
Mobile Platform
Mobile First Platform
AI-Driven Pricing
Faster than Traditional Loan Apps
Same Day
Average Approval Time
−0.04
−0.02
6.3%
6.71%
Fast Approval
Pre-Approval in Minutes, Not Weeks
Traditional lenders make real estate investors wait weeks for a decision. Our AI-driven underwriting engine analyzes your deal in real time — delivering a term sheet and pre-approval letter the same day you apply.
95% Faster Than Traditional Lenders
Average approval in under 10 minutes
Same-Day Pre-Approval Letters
Receive your pre-approval within hours so you can make competitive offers on investment properties immediately.
Automated Document Verification
Our AI processes bank statements, rent rolls, and property data instantly, eliminating manual back-and-forth.
Streamlined Closing Process
From application to funding, our technology-driven workflow closes DSCR loans and bridge loans weeks faster than the industry average.
Broker & Partner Program
White-label lending solutions that let you scale your business while we handle the heavy lifting
100% Free White Label Platform
Full-featured loan origination system with your branding. No setup fees, no monthly costs. Your logo, your client relationships.
Earn Ongoing Revenue
Competitive commissions on every funded loan plus ongoing servicing income. Volume bonuses for top producers.
Instant Online Approval
Give your clients instant conditional approvals and proof of funds letters 24/7 through your branded portal.
Reliable Capital Access
$500M+ in lending capacity. Direct lender with in-house underwriting and funding. We never say no to good deals.
Own the Client Relationship
You remain the primary contact. We provide back-office support, underwriting, and funding—invisible to your clients.
Real-Time Dashboard
Track your pipeline, commissions, and client loans in real-time. Automated reporting and commission tracking.
500+
Active Broker Partners
$1.2B+
Partner Loan Volume (2024)
5 Days
Average Close Time
24/7
Online Approvals & POF Letters
What’s Included in Your White-Label Platform:
Custom Branding
Your logo, colors, and domain
Loan Origination System
Full LOS with automated workflows
Document Management
Secure upload, e-signatures, storage
Instant Rate Quotes
Real-time pricing engine
POF Letter Generator
Instant proof of funds 24/7
Pipeline Management
Track all deals in one place
Commission Tracking
Automated payment tracking
Training & Support
Onboarding, webinars, dedicated rep
Ready to Scale Your Business?
Join 500+ partners who trust us to fund their clients’ deals
Latest News
From The Blog
Clear to Close with Jennifer Cabrera
Straight talk on commercial mortgages — insights and tips to get your deal done.
Why Our Term Sheets Actually Mean Something: The Technology Behind New Century’s Upfront Underwriting
By Jennifer Cabrera | Founder, New Century Mortgages LLC | Clear to Close with Jennifer Cabrera The dirty secret of private lending? Most hard money term sheets aren’t worth the paper they’re printed on. You’ve seen it before. A borrower gets excited about a term…
Why Mortgage Rates Go Up When the Fed Cuts Rates
What Every Borrower and Broker Needs to Know About How Rates Really Work By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Mortgages LLC The Fed just cut rates. So why did your mortgage rate go UP? If you’ve been waiting for the Federal Reserve to…
Understanding Mortgage Lending Channels
Understanding Mortgage Lending Channels Direct Lending, Correspondent Lending, Table Funding, and White Label Solutions By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Mortgages LLC When you’re shopping for a mortgage or considering becoming a…
How Current Rate Drops Are Creating Opportunities in Non-Conforming Commercial Real Estate Loans
How Current Rate Drops Are Creating Opportunities in Non-Conforming Commercial Real Estate Loans The Federal Reserve has been on a rate-cutting trajectory, bringing the federal funds rate down to a range of 3.50% to 3.75% after three consecutive cuts to close out…
First-Time Commercial Buyer? Here’s What to Expect
First-Time Commercial Buyer? Here’s What to Expect Buying your first commercial property is exciting—and a little intimidating. The process works differently than residential real estate, and knowing what to expect will help you navigate it with confidence….
5 Documents You Need Before Applying for a Commercial Loan
5 Documents You Need Before Applying for a Commercial Loan Nothing slows down a commercial loan more than missing paperwork. I’ve seen deals stall for weeks because borrowers weren’t prepared with the basics. Here’s how to get ahead of the game 1….