Broker & Agent Approval
Join a boutique mortgage platform built for speed, clarity, and clean closings.
From FHA, Conventional, VA, Jumbo to Non-QM (Bank Statement, DSCR), Investor, Reverse, plus Bridge, Fix & Flip, and Ground-Up Construction.
Secure & Confidential
Equal Housing Lender
NMLS 2711575
No obligations. No upfront fees. Loans subject to underwriting approval.
Trusted by Brokers, Realtors & Partners
"American Bay Financial turned around our DSCR scenario in 48 hours with multiple options. Their Non-QM expertise is unmatched."
— Verified Broker Partner
"Fast communication, transparent process, and they close on time. Our go-to for bank statement loans."
— Realtor, Orange County
"Shaun and his team handle complex scenarios with ease. They're our first call for investor clients."
— CPA Referral Partner
Why Work With ABF
Protect Your Fees & Relationships
We honor broker of record, safeguard your comp, and maintain your client relationship—today and on future loans.
Fast Scenario Turnaround
Submit your scenario and get a guided path within 24 hours (often same day).
Diverse Programs, One Point of Contact
Conventional, FHA, VA, Jumbo, Bank Statement, DSCR, Investor, Reverse; Bridge & Ground-Up Construction via select partners.
Clear, Organized Process
Side-by-side options, doc checklists, and status updates that respect your time and your borrower's expectations.
Experienced Team
23+ years of lending experience; clean files, realistic timelines, and underwriting guidance from start to clear-to-close.
What You Can Expect
Pre-Approval: typically inside 24 hours once docs are in. Closings: many programs clear in ~21–30 days (construction/bridge timelines vary by draw schedule).
What You Get
- Initial triage and response within 24 hours
- 2-3 scenario options with rate/term comparisons
- Preliminary term sheets and timelines
- Secure document upload portal
- Regular status updates and milestone tracking
- Direct access to Shaun Lallani (NMLS 2711575)
What We Need
- 1Borrower name and contact info
- 2Property address or target area
- 3Loan amount and program interest
- 4Purchase or refinance (if known)
- 5Any unique circumstances
- 6Timeline or urgency (if applicable)
Apply to Join ABF
Broker/Agent Registration Form
Loyalty & Protection
Broker Protection — your fee and client relationship are protected on current and future business submitted through ABF.
Hassle-Free Files — organized checklists, quick conditions review, construction draw guidance, and direct access to your AE.
Broker & Agent Onboarding — How It Works
Apply for Approval
Submit your details below.
Compliance & Doc Check
Quick review of licensing and comp.
Scenario Access
Start pricing files and sending scenarios to our desk.
Go Live
Submit loans, track milestones, and get paid on time.
Underwriting & Processing
We handle all underwriting, conditions, and appraisal coordination with regular updates.
Clear to Close
Final disclosures, closing coordination, and funding. We stay in touch through closing day.
Typical Turn Times
21-30 days
FHA / Conventional / VA
30-45 days
Non-QM / DSCR / Bank Statement
24-48 hrs
Initial scenario options
Loan Program Guidance
Comprehensive financing solutions for every borrower scenario — from traditional agency loans to specialized Non-QM and construction financing.
Who it fits:
Self-employed borrowers, business owners, 1099 contractors, freelancers with strong cash flow but complex tax write-offs.
Common docs:
12-24 months personal or business bank statements, credit authorization, asset statements, property details.
Typical constraints:
10-20% down, income calculated via deposit averaging (often 50% expense ratio), credit scores 620+.
Who it fits:
Real estate investors, landlords, STR operators, portfolio builders who want to qualify based on property cash flow, not personal income.
Common docs:
Lease agreements or market rent analysis, property details, credit authorization, asset statements (no tax returns or paystubs required).
Typical constraints:
15-25% down, DSCR 0.75-1.25+, credit scores 640+, 1-4 unit residential or condos.
Who it fits:
W-2 employees, first-time homebuyers, primary residence purchases or refinances with standard income documentation.
Common docs:
2 years W-2s, recent paystubs, 2 months bank statements, credit authorization, property details.
Typical constraints:
FHA 3.5% down (580+ score), Conventional 3-20% down (620+ score), DTI limits, occupancy requirements.
Who it fits:
Active-duty military, veterans, eligible surviving spouses purchasing or refinancing primary residences.
Common docs:
Certificate of Eligibility (COE), 2 years W-2s/paystubs, credit authorization, property details, DD-214 (if applicable).
Typical constraints:
0% down, no PMI, funding fee (waived for disabled veterans), occupancy requirements, VA appraisal standards.
Who it fits:
Homeowners 62+ with significant home equity seeking to access funds without monthly payments, or eliminate existing mortgage payments.
Common docs:
HUD-approved counseling certificate, property details, income/asset verification (for financial assessment), credit authorization.
Typical constraints:
Age 62+, primary residence, equity requirements, property standards, non-recourse protection, spouse safeguards.
Who it fits:
Builders, developers, and homeowners building custom primary residences or investment properties from the ground up.
Common docs:
Construction plans, builder contract, cost breakdown, land ownership docs, credit authorization, income verification, builder license/insurance.
Typical constraints:
20-25% down, licensed/insured builder required, draw schedule (typically 4-6 draws), construction timeline 12-18 months, credit scores 680+.
What we coordinate:
Draw inspections, fund disbursement, construction milestones, conversion to permanent financing upon completion.
Note: Construction loans require specialized underwriting and draw administration. Contact us early in your planning phase for timeline and feasibility guidance.
Authoritative Resources
We stay current with federal and state regulations. Here are trusted sources for loan program details:
Who This Page Is For
Submit complex scenarios, Non-QM deals, or overflow capacity. We provide fast turnarounds and competitive pricing.
What to send: Borrower profile, program interest, timeline.
Refer clients for pre-approvals, purchase financing, or refinances. We keep you in the loop and close on time.
What to send: Client contact, property details, urgency.
Refer self-employed clients, investors, or retirees. We handle bank statement, DSCR, and reverse mortgage scenarios.
What to send: Client profile, financial situation, goals.
Refer clients navigating estate transitions, reverse mortgages, or complex ownership structures.
What to send: Client contact, legal context, timeline.
Refer landlords and investors for DSCR financing, cash-out refinances, or portfolio expansion.
What to send: Property details, rental income, investor goals.
Bulk referrals welcome. We specialize in DSCR, bank statement, and fix-and-flip bridge financing.
What to send: Member profiles, deal flow, partnership interest.
Frequently Asked Questions
Ready to Submit Your Deal?
Fast triage, transparent communication, and expert guidance on every loan type.
American Bay Financial L.L.C.
Company NMLS: 2711575 | Loan Officer NMLS: 2711575 (Shaun R. Lallani)
Irvine / Aliso Viejo, California
All loans subject to underwriting approval. Rates, terms, and programs subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. American Bay Financial L.L.C. is licensed in California and operates in compliance with all applicable federal and state regulations including RESPA, TILA, and ECOA. Verify state availability for specific loan programs.