Products

APB Wholesale Products

At APB Wholesale, our loan programs are built to solve real-world lending challenges without unnecessary friction. Every program we offer is supported by experienced underwriters, responsive account executives, and a process designed to keep deals moving.

Our Loan Programs

One-Time Close Construction

Conventional
Non-QM Alt-Doc
DSCR

DSCR

DSCR (No Ratio Option)
DSCR 5-8 Unit Multi or 2-8 Mixed Use
DSCR Cross Collateral
DSCR Fixed Second

P&L Program

P&L with Bank Statement
P&L Only - No Bank Statements Required
P&L Borrower Prepared (Stated Income)

WVOE Program

Regular WVOE - No Bank Statements Required
WVOE for Family-Owned Businesses Allowed with Bank Statement

Bank Statements

12 or 24 months Personal Bank Statements
12 or 24 months Business Bank Statements

Additional Alt-Doc

1099
Tip Income
Asset Utilization

Jumbo Loans

Jumbo AUS to $3.5M
Super Jumbo to $5M

Second Liens

Second Mortgages
Home Equity Line of Credit (HELOC)

Non-U.S. Citizens

Foreign National
ITIN

We focus on flexible guidelines, practical documentation, and consistent execution. Each product is designed to meet borrowers where they are, while giving brokers the clarity and reliability needed to move loans from submission to closing efficiently. When you’re ready, our team is here to help structure solutions that fit your borrowers, not force them into a box.