Partner with Patch of Land

Expand Your Broker Business.

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Broker Your Deals with Patch of Land.
Get Started in Just 3 Easy Steps.

At Patch of Land, we work with mortgage professionals to expand their reach nationwide across 44 states. Brokers earn commission on every closed deal, with absolutely no limit on points.

sign up

1. Sign Up

Simply fill out the form above and we’ll send our Broker Agreement and the materials needed to get started.

broker deals

2. Broker Deals

Send your clients to a customized landing page branded to your business. We will work with you to close deals quickly for your real estate investors.

earn commission

3. Earn Commission

We don't limit number of points our brokers place on their deals, so you can earn more commissions when closing loans with us.

Serve Your Clients Better with Our Diverse Range of Lending Programs.

fix and flip

Fix & Flip

Our Fix & Flip lending program is our most popular offering, with rates from 7.5%, LTV up to 85%, and coverage of up to 100% of your client’s rehab budget.

  • Purchase or Refinance
  • Renovation
  • $75,000 to $3,000,000+
  • 12-Month Loan Term
rental

Rental

With a wide variety of loan term options from 2 to 30 years, our rental loans are an attractive offering for borrowers looking to enter the rental market. Rates start at just 5.99%.

  • Purchase or Refinance
  • Interest-Only Options
  • $75,000 to $5,000,000
  • 24-Month, 5/10/30-Year
commercial

Commercial

Purchase, refinance, or renovate commercial properties. Our commercial loans start at 8.5% and can be used on multi-family, retail, office, and mixed use buildings.

  • Purchase or Refinance
  • Renovation
  • $250,000 to $5,000,000
  • 12-Month Loan Term
fix and flip

Ground-Up Construction

With housing supply lower than ever, more borrowers are looking to ground-up construction to raise their investment game. We offer competitve rates from 9.25%.

  • New Construction
  • Up to 70% LTV
  • Up to $5,000,000
  • 12-Month Loan Term

Take Advantage of Our Service and Scale your Broker Business.

Close Quickly and Securely

We offer access to consistent capital across a variety of investor channels, which translates to fast and reliable funding for borrowers. We underwrite all our loans, cutting out the middleman and cutting down processing time.

close quickly
competitive rates

Competitive Rates

Get short-term rates on fix & flip loans starting from just 7.5% with as few as 2 point origination fees. Our long-term rental program offers rates from just 5.99% on terms up to 30 years.

Easy Tracking & White Label Marketing

We offer white label marketing materials, customized to your brand. Our system can track your leads through a customized landing page and alert you when real estate investors are interested in working with you.

marketing
grow your business

Focus On Your Business

We also offer peace of mind with broker protection. Plus, you’ll get compensated faster than using traditional lenders, so you can keep your focus on doing more deals and growing your business.

Funding for Fix & Flips, Rental Properties, & Commercial Projects

At Patch of Land, we can fund your first loan in as little as 7 days. Whether you're looking for capital for a Fix & Flip, Rental, or Commercial property, we have a loan program to meet your needs. Once you've funded your first loan, faster approval times and more financing options can make the process even easier for future loans.

 

Fix & Flip

Short-Term Rental

Long-Term Rental

Commercial

Ground-Up Construction

Project Type Single Family Residential
2-4 Unit Residences
Condominiums
Townhomes
Multi-Family Apartments
Mixed Use Buildings
(min. 50% residential)
Small Commercial
Single Family Residential
2-4 Unit Residences
Condominiums
Townhomes
Multi-Family Apartments
Mixed Use Buildings
(min. 50% residential)
Single Family Residential
2–4 Units
Condominiums
Multi-Family (5+ Units)
Mixed Use
Office
Retail
Single Family Residential
2–4 Units
Condominiums
Multi-Family (5+ Units)
Loan Amount $75,000 to $3,000,000+ $75,000–$3,000,000+ $75,000–$5,000,000 $250,000–$5,000,000 Up to $5,000,000
Loan to Value (LTV) Up to 85% on Purchase
Up to 75% on Refinance
Up to 75% Up to 80% on Purchase
Up to 75% of R/T Refinance
Up to 65% on Cashout
Up to 80% Up to 70%
Rent Coverage Ratio N/A 1.25x N/A 1.1x N/A
Loan Term 12 Months
(No Prepayment Penalty)
24 Months
(With 1 Year Extension Option)
5/1 ARM, 10/1 ARM, 30-Year
(Interest-Only Option)
12 Months
(No Prepayment Penalty)
12 Months
(No Prepayment Penalty)
Minimum FICO 600 600 620 600 600
Interest Rate From 7.5% From 7.5% From 5.99% From 8.5% From 9.25%
Proceed Usage Purchase
Refinance
Renovation
Bridge
Cashout
Purchase
Refinance
Bridge
Cashout
Purchase
Refinance
Cashout
Purchase
Refinance
Renovation
Bridge
Ground-Up Construction
 

Fix & Flip

Project Type Single Family Residential
2-4 Unit Residences
Condominiums
Townhomes
Multi-Family Apartments
Mixed Use Buildings
(min. 50% residential)
Small Commercial
Loan Amount $75,000 to $3,000,000+
Loan to Value (LTV) Up to 85% on Purchase
Up to 75% on Refinance
Rent Coverage Ratio N/A
Loan Term 12 Months
(No Prepayment Penalty)
Minimum FICO 600
Interest Rate From 7.5%
Proceed Usage Purchase
Refinance
Renovation
Bridge
Cashout
 

Short-Term Rental

Project Type Single Family Residential
2-4 Unit Residences
Condominiums
Townhomes
Multi-Family Apartments
Mixed Use Buildings
(min. 50% residential)
Loan Amount $75,000–$3,000,000+
Loan to Value (LTV) Up to 75%
Rent Coverage Ratio 1.25x
Loan Term 24 Months
(With 1 Year Extension Option)
Minimum FICO 600
Interest Rate From 7.5%
Proceed Usage Purchase
Refinance
Bridge
Cashout
 

Long-Term Rental

Project Type Single Family Residential
2–4 Units
Condominiums
Loan Amount $75,000–$5,000,000
Loan to Value (LTV) Up to 80% on Purchase
Up to 75% of R/T Refinance
Up to 65% on Cashout
Rent Coverage Ratio N/A
Loan Term 5/1 ARM, 10/1 ARM, 30-Year
(Interest-Only Option)
Minimum FICO 620
Interest Rate From 5.99%
Proceed Usage Purchase
Refinance
Cashout
 

Commercial

Project Type Multi-Family (5+ Units)
Mixed Use
Office
Retail
Loan Amount $250,000–$5,000,000
Loan to Value (LTV) Up to 80%
Rent Coverage Ratio 1.1x
Loan Term 12 Months
(No Prepayment Penalty)
Minimum FICO 600
Interest Rate From 8.5%
Proceed Usage Purchase
Refinance
Renovation
Bridge
 

Ground-Up Construction

Project Type Single Family Residential
2–4 Units
Condominiums
Multi-Family (5+ Units)
Loan Amount Up to $5,000,000
Loan to Value (LTV) Up to 80%
Rent Coverage Ratio N/A
Loan Term 12 Months
(No Prepayment Penalty)
Minimum FICO 600
Interest Rate From 9.25%
Proceed Usage Ground-Up Construction

Ready to Partner with Patch of Land? Fill Out the Form Below:

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Grow Your Broker Business. Get Started with Patch of Land.

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