Submit a Residential Loan
Built for Brokers. Ready for Speed.
ICM provides 30-year fixed and specialty residential programs for 1–4 unit properties—engineered for brokers and property owners who need speed, certainty, and institutional-grade underwriting.
Property Types We Finance
Single-Family Residences (SFR)
Condos & Townhomes
2–4 Unit Properties (duplex, triplex, fourplex)
Second Homes & Investment Properties
Small Mixed-Use (case-by-case)
Programs We Offer
30-Year Fixed Residential Loans (owner-occupied & investor)
Non-QM (bank statement, asset-depletion, expanded DTI)
DSCR Investor Loans (cash-flow based)
ITIN Loans
Jumbo Loans
Bridge / Fix & Flip
Construction-to-Perm (select cases)
Common Features: Competitive LTVs, purchase/refi/cash-out options, flexible prepayment and amortization, indicative terms in 24–48 hours, and nationwide coverage.
Why Brokers Choose ICM
Speed & Certainty: Fast quotes and disciplined execution.
Broker-First Process: Transparent communication, co-branded options, and reliable closings.
Data-Driven Underwriting: Institutional analytics for clear, market-based terms.
Nationwide Footprint: Consistency across major and secondary markets.
How It Works
1. Submit The Deal
Property details, borrower profile, and target program.
2. Receive Indicative Terms (24–48 hrs)
Clear, actionable pricing and structure.
3. Underwriting & Funding
Streamlined diligence, direct communication, and on-time closing.
Ready To Get Started?
Bring us your next residential loan and experience a faster, more predictable path to closing.