The Loan Store Wholesale Mortgage Rates, Through an Independent Broker
Wholesale investor across agency and non-agency programs.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with The Loan Store and submits files directly into its wholesale channel. This page explains what The Loan Store 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 The Loan Store. This page reflects a genuine wholesale relationship Duane originates through directly.
What The Loan Store Is Known For
- Covers both agency (conventional) and non-agency programs
- Established wholesale investor relationship
- Broad menu for varied borrower files
Program Fit & Flexibility
The Loan Store's wholesale guidelines generally show a minimum credit score of Varies by the 9,000+ third-party broker/lender partners it funds through; typical agency floors of 620 conventional / 580 FHA apply as a baseline, with down payment requirements of Varies by program; begins at 0% on eligible government products. Loan amounts and program range: Conventional, FHA, VA, non-QM, jumbo, HELOC. Documentation type: Standard full doc; non-QM alt-doc available. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against The Loan Store's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
The Loan Store vs. a Typical Wholesale Alternative
| Feature | The Loan Store | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Covers both agency (conventional) and non-agency programs | Varies by lender — compare at time of application |
| Credit score flexibility | Varies by the 9,000+ third-party broker/lender partners it funds through; typical agency floors of 620 conventional / 580 FHA apply as a baseline | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Varies by program; begins at 0% on eligible government products | Commonly 3–5% conventional, varies by program |
| Loan amount range | Conventional, FHA, VA, non-QM, jumbo, HELOC | Varies by lender and program |
| Documentation type | Standard full doc; non-QM alt-doc available | Varies by lender and program |
Getting a Real The Loan Store Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from The Loan Store's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 700 credit score and 20% down on a $400,000 purchase priced through The Loan Store's wholesale conventional rate sheet. On a $320,000 loan at an illustrative 6.75% wholesale rate, principal and interest runs approximately $2,075/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on The Loan Store's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — The Loan Store
Does The Loan Store lend directly to consumers?
No. The Loan Store funds loans exclusively through independent wholesale brokers. To access The Loan Store's wholesale pricing, you work with a broker like Duane Buziak, who submits your file directly to The Loan Store's wholesale channel.
Is a broker-submitted The Loan Store loan more expensive than going direct?
No — The Loan Store's wholesale pricing is not available direct-to-consumer, so there is no direct channel to compare against. Duane's access is the way to reach this pricing.
What types of loan programs does The Loan Store offer?
The Loan Store provides a wide array of programs including Conventional, FHA, VA, Non-QM, Jumbo, and HELOC options.
What is the minimum credit score required for conventional loans through The Loan Store?
Baseline agency guidelines typically require a minimum credit score floor starting at 620 for conventional programs.
What is the minimum credit score required for FHA programs?
FHA government loan options through The Loan Store generally allow credit score floors starting at 580 FICO.
Are zero-down payment options available through The Loan Store?
Yes, down payments begin at 0% for eligible government programs such as VA loans.
Does The Loan Store support non-QM or alternative documentation financing?
Yes. Along with full-doc conventional loans, non-QM alt-doc solutions are available for qualifying borrowers.
Can I obtain a HELOC (Home Equity Line of Credit) through The Loan Store?
Yes, HELOCs are included in The Loan Store's wholesale product menu for second-lien equity options.
How does Duane's NoTouch Credit Pull evaluate wholesale rates with The Loan Store?
Duane uses a soft credit pull to check live pricing against The Loan Store's current rate sheet without impacting your credit score.
Are high-balance or Jumbo loan options available?
Yes, jumbo financing options are offered across agency and non-agency channels through The Loan Store.
What documentation is required for standard conventional loans?
Standard conventional products require full-documentation verification, including paystubs, W-2s, and tax returns.
Why work with independent broker Duane Buziak to access The Loan Store?
Duane provides direct access to The Loan Store's wholesale channel while evaluating their rates against 30 other wholesale lenders.
How do I compare an existing Loan Estimate against The Loan Store?
Submit your current offer through Duane's "Dare to Compare" service for a line-by-line comparison against The Loan Store's pricing.
Compare The Loan Store Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against The Loan Store and every other lender in the directory.
Bring My Quote — Dare to Compare