Deephaven Mortgage Wholesale Mortgage Rates, Through an Independent Broker
Non-QM wholesale specialist for self-employed/non-traditional income.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Deephaven Mortgage and submits files directly into its wholesale channel. This page explains what Deephaven Mortgage is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Deephaven Mortgage. This page reflects a genuine wholesale relationship Duane originates through directly.
What Deephaven Mortgage Is Known For
- Recognized non-QM specialist for self-employed borrowers
- Programs built around non-traditional income documentation
- A common search for 1099 and business-owner borrowers
Program Fit & Flexibility
Deephaven Mortgage's wholesale guidelines generally show a minimum credit score of 620 FICO on Bank Statement/Non-Prime programs; 660 on DSCR and Jumbo-Prime, with down payment requirements of As low as 10% (90% LTV, no MI) on Expanded-Prime bank-statement program. Loan amounts and program range: Non-QM loan amounts up to $3.5 million. Documentation type: 12–24 month personal/business bank statements, 1-year P&L, full doc. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Deephaven Mortgage's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Deephaven Mortgage vs. a Typical Wholesale Alternative
| Feature | Deephaven Mortgage | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Recognized non-QM specialist for self-employed borrowers | Varies by lender — compare at time of application |
| Credit score flexibility | 620 FICO on Bank Statement/Non-Prime programs; 660 on DSCR and Jumbo-Prime | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | As low as 10% (90% LTV, no MI) on Expanded-Prime bank-statement program | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-QM loan amounts up to $3.5 million | Varies by lender and program |
| Documentation type | 12–24 month personal/business bank statements, 1-year P&L, full doc | Varies by lender and program |
Getting a Real Deephaven Mortgage Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Deephaven Mortgage's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A self-employed borrower with a 680 credit score and 15% down on a $400,000 purchase, qualifying through Deephaven Mortgage's bank-statement non-QM program instead of standard W-2 documentation. On a $340,000 loan at an illustrative 7.5% wholesale rate, principal and interest runs approximately $2,377/month — before taxes, insurance, or PMI.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Deephaven Mortgage's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Deephaven Mortgage
Do I need W-2 income to qualify through Deephaven Mortgage?
No. Deephaven Mortgage is known in the wholesale market for non-QM programs, including bank-statement and asset-based qualification for borrowers who don't fit a standard W-2 file — exact eligibility depends on the borrower's documentation and the current rate sheet.
Does Deephaven Mortgage lend directly to consumers?
No. Deephaven Mortgage funds loans exclusively through independent wholesale brokers, so a broker relationship like Duane's is required to access its wholesale non-QM pricing.
What is the minimum credit score requirement for Deephaven Non-QM programs?
Deephaven Mortgage generally accepts credit scores starting at 620 FICO for Bank Statement and Non-Prime options, and 660 FICO for DSCR and Jumbo-Prime programs.
Can I qualify using 12 months of bank statements instead of 24 months?
Yes. Deephaven Mortgage offers flexible options allowing self-employed borrowers to qualify using either 12 or 24 months of personal or business bank statements.
Does Deephaven Mortgage offer 1-Year P&L qualification options?
Yes. Qualified self-employed borrowers can utilize a 1-Year Profit & Loss (P&L) statement prepared by a licensed CPA, EA, or CTEC tax professional.
What is the maximum loan amount available through Deephaven Mortgage?
Deephaven provides non-QM portfolio loan amounts up to $3.5 million depending on credit profile, program selection, and LTV limits.
What down payment is required for Deephaven Expanded-Prime bank statement loans?
Eligible borrowers can secure down payments as low as 10% (90% LTV) with no monthly mortgage insurance (MI) on Expanded-Prime bank-statement products.
Does Deephaven Mortgage offer DSCR loans for real estate investors?
Yes. Deephaven offers Debt-Service Coverage Ratio (DSCR) investor loans that evaluate the property's rental cash flow rather than personal employment income.
How does Duane's NoTouch Credit Pull check Deephaven rates?
Duane performs a soft credit pull that accesses Deephaven Mortgage's live wholesale rate sheet, verifying pricing without placing a hard inquiry on your credit report.
Are 1099-only qualification options available?
Yes. 1099 contractors and gig-economy workers can qualify using 1 or 2 years of 1099 forms without full tax return requirements.
Can primary residences, second homes, and investment properties be financed?
Yes. Deephaven Mortgage supports purchase and refinance transactions for primary residences, second homes, and non-owner-occupied investment properties.
Why choose an independent broker to access Deephaven Mortgage?
An independent broker like Duane gives you direct access to wholesale Non-QM pricing while comparing Deephaven's guidelines against 30 other wholesale lenders in real-time.
How can I compare my current loan estimate against Deephaven Mortgage?
Submit your existing quote through Duane's "Dare to Compare" review, and he will run a direct comparison against Deephaven Mortgage's live wholesale pricing.
Compare Deephaven Mortgage Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Deephaven Mortgage and every other lender in the directory.
Bring My Quote — Dare to Compare