In a refinance market, rates matter;
in a purchase market, products matter.
Lenders need a product-focused approach to grow their business following the rate-driven refinance market that dominated the industry for decades. FutureWave Finance focuses on bringing to market a unique suite of products, designed with correspondent sellers in mind, to drive the next wave of growth in mortgage lending. We offer Agency Products, Specialty Products, and Growth Products and are committed to providing you with a complete range of mortgage loan options.
Agency Products
Offering a variety of conventional and government-guaranteed products.
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15, 20, 30-year fixed rate conventional mortgage
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15-year and 30-year products will offer Low balance loans
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Geographic Payups (NY, FL, TX)
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FHA (buydown feature offered)
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VA (buydown feature offered)
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USDA/RHS (buydown feature offered)
Specialty Products
Consisting of non-conforming offerings like jumbo mortgages, non-qualified mortgages and DSCR loans.
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Jumbo (30-year/15-year)
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Non-QM Business Purpose/DSCR
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Non-QM Residential
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40-year
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Interest-only
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Bank Statements
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Asset Depletion
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We plan to add a lot of products in the Growth category, which is where we think we could make some inroads, and it's going to take a lot of work to get other investors in the secondary market involved. This includes loans with credit scores under 700, originations for borrowers eligible for Freddie Mac's Home Possible and Refi Possible products; mortgages that qualify for loan level price adjustment waivers; and Ginnie Mae Community Reinvestment Act securitization eligible offerings, with more to come.
Learn More
Growth Products
Products expertly crafted to adapt to your unique requirements to help grow your business.
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HomeWave (a First Time Home Buyer Program)
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Home Possible & Refi Possible (Affordable Lending Programs)
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Loan-Level Price Adjustment (LLPA) Waivers
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GNMA CRA MBS (Low/mod income and Low mod/census track)
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Stay tuned for our NEW products coming soon!
Transparent Fee Structure
Unlike others, we do not burden our correspondent clients with unnecessary "junk" fees, instead we focus on ensuring transparent, cost-effective partnerships.
Tailored Program Development
We specialize in crafting personalized flow and bulk sale programs in collaboration with our sellers, of ALL sizes, adapting to their unique needs and objectives.
Versatile Servicing Solutions
Choose from our three comprehensive servicing options to suit your business strategy:
Servicing-Retained
Nurture and grow your borrower relationships by retaining servicing in-house, giving you complete control.
Servicing-Released
Hand over the servicing responsibilities to us, allowing you to concentrate on what you excel at – lending.
Sub-ServicingÂ
Entrust us with the efficient management of your loans while you focus on your core lending activities.
Our Industry Partners
At FutureWave, we understand the power of collaboration and the importance of aligning with industry leaders to deliver the best possible solutions to our clients. We are proud to showcase our strong relationships with trusted vendors and collaborators who share our commitment to excellence and innovation. These partnerships serve as a testament to our dedication to providing top-notch services and products to our clients.
Loan Central
GinnieMae
FreddieMac
Optimal Blue
ICE Mortgage Technology
The Fay Group
SitusAMC
FutureWave & Loan Central Unite for Enhanced Investor Opportunities
FutureWave and Loan Central have joined forces, creating a dynamic synergy that opens up a world of possibilities for lenders like you. Loan Central's extensive database of loan sellers and originators, coupled with cutting-edge technology, means more diverse products and pricing options at your fingertips.
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Loan Central brings operational excellence to the table, while FutureWave leads with innovation in product and pricing strategies. Together, they offer a powerhouse partnership that facilitates balance sheet-driven transactions for banks and credit unions.
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Explore the future of investment opportunities with us!