Before you kill the deal see if we can save it's life

No min FICOS, DSCR, Banks statement loans and many more loan options!
Private investor solutions beyond agency guidelines
Unique approach to deal structuring to make deals work through agency or private money.

We specialize in solving problem purchase and refinance loans.
Whether your bank has a restrictive overlay, a difficult underwriter, or the deal simply doesn’t fit inside the traditional lending box, we’ll find another path.
With access to a broad network of wholesale and private lenders, we can structure solutions for even the toughest scenarios.
We fix the loan and you close it — or we close it and pay you for the referral.
How Realtors win
Don't let your commission check depend on one loan officer's ability to close your loan
Save the transaction from fallout! Get paid and save the deal!

Complete our questionnaire and upload a 3.4 file
Within 24 hours we will let you know if we have a solution. If it is a simple restructure that your company can't do we send it back to you and tell you how to close it. If not, we pay you a fee for the lead and close it ourselves.
Either you close or we close the loan. Either way you get paid, the borrower wins, the realtor wins, the seller wins, !
Save face with your realtor partner and client by having a solution when your company says no.
24 hour solutions
Help more borrowers
Referal relationship saved

If you have a lot of denials this could be a great passive income stream for deals that you would of otherwise made nothing on.
$100/lead
Send us 5 deals or less per month. You make $100 per deal regardless of if it closes
Make an additional $500/month
Save referral relationships!
No contracts - only solutions!
$150/lead
Send us 5-9 deals or less per month. You make $150 per deal regardless of if it closes
Make up to $1350/month
Save referral relationships!
No contracts - only solutions!
$200/lead
Send us 10+ deals per month. You make $200 per deal regardless of if it closes
Make $2,000+ per month
Save referral relationships!
No contracts - only solutions!
Explore Our Common Queries and Solutions
Direct deposit on the first of the month for previous month's submissions.
We pay you a fee for the lead not based on the outcome of it closing. Because of this distinction RESPA considers this a lead generation fee not a kickback or referral.
We can close in 12 days from solution to funding
We are a broker with a founding team that has 50 years of industry experience. We are able to understand how to make deals work and have the access to the money that can fund them. We can close loans that even the best brokers cannot because we have a network of private investors that are willing to fund deals that traditional lenders will not.
© 2026. Loan Doctor. All rights reserved.
Privacy Policy
Terms of Use