Precision.Wholesale.Concierge.Technology.Precision.
000
Technology-Led Mortgage Broker
Wholesale rates.
Elevated.Precision.Seamless.Elevated.

Boutique mortgage brokerage powered by technology. 40+ wholesale lenders. Expert structuring across every loan type — from conventional to complex.

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NMLS #1068471
CA DRE #02206706
40+ Wholesale Lenders
Technology-First Process
Equal Housing Opportunity
Access programs
your bank
can't offer.

As an independent mortgage broker, Manor shops 40+ wholesale lenders on every scenario — securing rates and programs unavailable at any retail bank, credit union, or direct lender. You get institutional-grade access with concierge-level service.

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0
Wholesale Lenders
Shopped on every file
0
Loan Programs
Conventional to complex
0
Fastest Close
Hard money & bridge
$0
VA Down Payment
For eligible veterans

Get Started

Ready to move
forward?

Start your application in minutes, or reach out to discuss your scenario first.

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Prefer a conversation first? dru@manorhomes.co

Stay Informed

Rate updates,
delivered to you.

Purchase
01 / 11

Conventional &
Conforming

Fannie Mae and Freddie Mac programs for primary residences, second homes, and investment properties — priced at wholesale rates no retail bank can match.

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AI-Powered Advisor

Loan Intelligence

Find your
perfect loan
instantly.

Not sure which program fits your scenario? Our AI advisor walks you through loan types, underwriting concepts, and what to expect — before you speak to anyone.

Educational use only. Does not quote rates or constitute financial advice.

M
Manor AI Advisor
Available now
Hi — I'm Manor's AI Advisor. I can help you understand loan programs, how underwriting works, or which loan type might fit your situation. What would you like to know?
Now
Here to educate — not to quote rates or give financial advice. For a real scenario, I'll connect you with Dru directly.

How It Works

From start to keys
in four steps.

01
Apply Online
Secure digital 1003 through our borrower portal. Complete at your pace, from any device.
02
Strategy Session
We review your scenario, present loan comparisons, and recommend the optimal structure.
03
Underwriting
Submitted to the ideal wholesale lender with proactive milestone updates throughout.
04
Close & Fund
Sign, fund, and get your keys — with your dedicated MLO every step of the way.
★
Share Your Experience
Happy with your Manor experience? A Google review helps other borrowers find us — and means the world to a growing boutique brokerage.

FAQ

Common questions,
straight answers.

A bank can only offer its own products at its own rates. As an independent broker, Manor shops 40+ wholesale lenders on your behalf — finding the best rate and program for your specific scenario. You get more options, better pricing, and the same (or faster) service.
Absolutely. We have multiple programs designed specifically for self-employed borrowers. Bank statement loans qualify you on 12 or 24 months of deposits — no tax returns required. P&L loans, 1099-only, and asset depletion programs are also available depending on your situation.
DSCR (Debt Service Coverage Ratio) loans qualify based on the investment property's rental income rather than your personal income. If the rent covers the mortgage payment, you can qualify — no W-2s, no tax returns, no DTI calculation. Ideal for real estate investors who want to scale without being limited by personal income documentation.
It depends on the loan type. Conventional, FHA, and VA loans typically close in 21–30 days. Jumbo and Non-QM run 21–35 days. Hard money and bridge loans can close in as few as 7 days. The single biggest factor in timeline is how quickly documentation is provided — a complete file moves significantly faster.
Manor Home Loans is currently licensed in California. Expansion to additional states is planned. If you have a scenario in another state, reach out directly at dru@manorhomes.co and we can discuss options.
Any rate advertised without knowing your credit score, LTV, loan type, property type, and lock period is a marketing number — not your number. As a wholesale broker, Dru pulls live pricing from 40+ lenders and presents your actual options. The fastest way to get real pricing is to start an application or reach out directly.
A reverse mortgage lets homeowners 62+ convert home equity into cash without monthly mortgage payments. The loan is repaid when the home is sold or the borrower moves out. It's a legitimate financial planning tool when structured correctly — the stigma around them is largely outdated. HUD-approved counseling is required before closing, and we'll walk you through every step.
Wholesale Rates ✦Concierge Service ✦40+ Lenders ✦Non-QM Specialists ✦Technology-Led ✦DSCR · Jumbo · Bank Statement ✦Luxury You Can Feel ✦Wholesale Rates ✦Concierge Service ✦40+ Lenders ✦Non-QM Specialists ✦Technology-Led ✦DSCR · Jumbo · Bank Statement ✦Luxury You Can Feel ✦