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⏺ WHOLESALE ⏺ EST. 1989
30+ years of wholesale.
Why broker chooses TJ Financials?
Fast turnaround
30+ years of expertise
Competitive pricing
True broker partnership
Build on relationships.
Since 1989, we've focused on one channel. The expertise we've built — from Prop 13 to non-arm's length transactions — closes loans that national wholesalers can't touch.
LICENSED & VERIFIED
NMLS #332026
DRE #01058708
Equal Housing Lender
Non-Agency Jumbo
Prime and AUS Jumbo programs for high-value California properties up to $3M with expanded qualifying.
700
Min FICO
Max LTV
$3M
View programs
LOAN PROGRAMS
Four product lines.
Every California borrower.
From conforming agency to specialty portfolio programs — every program engineered for the price points and documentation realities California brokers work with every day.
Agency
Conforming Fannie Mae and Freddie Mac programs, plus high-balance options for California county limits.
620
Min FICO
Max LTV
90%
View programs
Non-Agency Jumbo
Prime and AUS Jumbo programs for high-value California properties up to $3M with expanded qualifying.
700
Min FICO
Max Loan
$3M
View programs
Portfolio
Specialty portfolio non-QM and closed-end second liens for scenarios agency and jumbo can't solve
$500K
2nd Max
Max DTI
55%
View programs
Non-QM
Alt-Doc and DSCR programs - 12/24mo bank statement, 1099, P&L, WVOE, and asset-based qualifying
0.75
DSCR Floor
Doc Types
6+
View programs
Portfolio
Speciality portfolio non-QM and closed-end second liens for scenarios agency and jumbo can't solve.
$500K
2nd Max
Max LTV
55%
View programs
37
+
25
%
d
+
Active loan programs
100
1-2
Years serving brokers
Community-focused expertise
Typical broker approval
BROKER-FIRST WHOLESALE
Close faster with direct access to real underwriters.
No call centers. No ticket queues. Our underwriting team works with you directly - the same underwriter reviews conditions and issues your CTC.
Direct phone access
Pre-submission scenarios
Same-day broker aprpovals
Hands-on escalation
to underwrite on every file
when deals need a champion
welcomed before you commit
for complete applications
COMMUNITY EXPERTISE
We focus on lending in local communities. Yours.
While national wholesalers cover 50 states shallowly, TJ Financial has focused on local communities for 37 years. We know the zip codes, appraisers, property types, and borrower profiles other wholesalers get wrong.
2026 County loan limits
up to $1,249,125 on HB
Prop 13 transfer expertise
on parent-tochild refis
Non-arm's length
family transactions understood
Multi-language borrowers
Chinese, Korean, Persian, Armeni and more
PROGRAMS THAT ACTUALLY CLOSE
Products engineered for your community pricing.
Agency up to $1.25M on high-balance counties. Non-QM DSCR with 0.75 floor and short-term rental support. Portfolio programs for scenarios agency can't touch. All priced competitively for brokers.
25+ active programs
across four product lines
Self-employed friendly
- bank statement, 1099, P&L, WVOE
Chinese, Korean, Persian,
Armeni and more
CSCR investors
- LTR & STR with non-warrantable condos
Portfolio exceptions
- in-house portfolio flexibility
I have a TJ Loan
Make a payment on your existing TJ Financial mortgage or manage your loan.
Make a Payment
I need a Scenario Review
Run a loan scenario past our underwriters before commiting to the file.
Submit Scenario
I'm a Broker
Get approved in 1-2 business days and start submitting loans fast.
Start Broker Application
Which one are you?
Three paths to TJ Financial. Pick the one that matches you and we'll point you to the right place.
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