Join American Bay Financial
A boutique mortgage platform built for speed, clarity, and clean closings.
Equal Housing Lender · NMLS 2711575 · No upfront fees · No obligations · Loans subject to underwriting approval
Our Process
Fast, organized, and built around your success.
Apply for Approval
Submit your broker or agent details through our simple application form.
Speak with Our Team
We review your licensing and compensation setup to ensure a perfect fit.
Send Packaged Deals
Access our portal to submit scenarios and loans with fast turnaround times.
Focus on Your Clients
We handle underwriting, communication, and funding so you can focus on relationships.
"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
We honor broker of record, protect your compensation, and keep your client relationships secure on future loans.
We build lasting relationships with brokers through transparent communication and fast turnaround.
We lend directly with in-house underwriting—no investor delays and flexible program options.
Why Work With American Bay Financial
Protect Your Fees & Relationships
We honor broker of record and never compete for your clients. Your relationships stay yours.
Fast Scenario Turnaround
Initial response within 24 hours, scenario options within 48 hours of complete documentation.
Diverse Programs, One Point of Contact
FHA, Conventional, VA, Jumbo, DSCR, Non-QM, Investor, Reverse, Bridge, and Construction loans—all through one dedicated team.
Clean Process & Organized Docs
Clear timelines, upfront disclosures, and regular updates. No surprises, no runarounds.
23+ Years of Lending Experience
Deep expertise in complex scenarios, Non-QM, DSCR, and investor financing.
What You Get
- Initial response within 24 hours
- 2–3 tailored loan scenarios
- Pre-approval term sheets & timelines
- Secure document upload portal
- Dedicated AE & support team
- Realistic underwriting timelines
- Direct access to Shaun Lallani (NMLS 2711575)
- Transparent compensation structures
Program Overview
Self-employed borrowers, business owners, 1099 contractors with strong cash flow.
Learn More →Real estate investors qualifying based on property cash flow, not personal income.
Learn More →W-2 employees, first-time homebuyers, primary residence purchases or refinances.
Learn More →Active-duty military, veterans, eligible surviving spouses with 0% down options.
Learn More →Homeowners 62+ accessing equity without monthly payments through FHA-insured HECMs.
Learn More →Short-term bridge financing and ground-up construction loans for investors and builders.
Contact Us →Who We Work With
Mortgage Brokers
Submit complex scenarios and overflow capacity
Realtors
Refer clients for pre-approvals and financing
CPAs / Advisors
Refer self-employed clients and investors
Attorneys / Estate Planners
Complex ownership and estate transitions
Investor Clubs / Property Managers
DSCR and investor financing specialists
Apply to Join American Bay Financial
Our onboarding team will reach out within 24 hours to discuss your approval.
Privacy & Security Note
This form collects only basic contact information. Do not upload sensitive documents here. After triage, we'll provide a secure, encrypted portal for all financial documentation. Your data is protected under GLBA and never shared without consent.
How We Handle Your Deal
Triage & Initial Review
We review your submission within 24 hours, assess program fit, and reach out with initial questions or next steps.
Scenario Options & Term Sheets
We provide 2-3 loan scenarios with rate/term comparisons, estimated costs, and timelines so you can present options to your client.
Document Collection
We send a secure upload link for income docs, assets, credit authorization, and property details. Clear checklist provided.
Underwriting & AUS
Conventional/FHA/VA run through automated systems (DU/LP/TOTAL). Non-QM/DSCR undergo manual underwriting with experienced team.
Conditions & Appraisal
We coordinate appraisal orders, review conditions, and work with you to clear any outstanding items quickly.
Clear to Close
Final disclosures, closing coordination, and funding. We stay in touch through closing day to ensure smooth execution.
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
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+.
Learn more about Bank Statement Loans →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.
Learn more about DSCR Loans →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.
Learn more about VA Loans →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.
Learn more about Reverse Mortgages →Authoritative Resources
We stay current with federal and state regulations. Here are trusted sources for loan program details:
Who We Work With
Mortgage Brokers
Submit complex scenarios and overflow capacity
Realtors
Refer clients for pre-approvals and financing
CPAs / Advisors
Refer self-employed clients and investors
Attorneys / Estate Planners
Complex ownership and estate transitions
Investor Clubs / Property Managers
DSCR and investor financing specialists
Frequently Asked Questions
Ready to Join Our Partner Network?
Fast closings, broker protection, and expert support 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.