Our Programs
Alternative lending program resources available:
About Rachel To
Rachel (Oanh) To is an industry veteran with over 22+ years of management experience. She has a proven track record of building companies from the ground up. She has held various positions previously, including VP Regional Manager at New Century Mortgage, Regional Sales Manager at Affiliated Funding Corp, VP Regional Manager at Pacific Merchantile Bank, VP Regional Manager Banc Home Loans/ Banc of California, National Sales Manager at Motive Lending, VP Regional Manager at Excelerate Capital and now promoted to Senior Vice President of TPO.
About Excelerate Capital
Excelerate Capital is a full-service mortgage company that excels and distinguishes itself as an INNOVATOR in the Non-QM mortgage space. Since 2015, we have been assisting broker partners’ success as a leader in Non-QM.
Our mission is to provide “out of the box” mortgage solutions to our broker partners. Our company culture is built to nurture the welfare and success of our clients and employees.
We offer multiple solutions for alternative lending:
- 3 | 12 | 24 Months Bank Statements
- 1 or 2 Year 1099s | W2 Only
- P&L Only
- WVOE Only
- Asset Utilization
- DSCR – Debt Service Coverage Ratio with no minimum ratio
Credit scores can be as low as 580 and LTVs as high as 90%.
Work with a lender that provides you with options! Reach out to me to get started.
More Options. More Funded Loans.
Call me today for more information on our 1st TD HELOC and +Prime programs!
Learn more
We Sponsor Your Out-of-State Investment Property
Our approved Broker Partners can utilize our licensing in 36 states to originate mortgages out-of-state. Leverage our nationwide licensing power to expand your reach and fund more loans without any additional licensing requirements.
Learn more