Ordeg Mortgages LLC
For buyers with no U.S. credit file, investors sized on rent instead of tax returns, and the agents who refer them. Run the numbers yourself first — then talk to a human.
This is not a commitment to lend. Rates and terms are illustrative estimates and are subject to change and full underwriting.
Start here
Three routes into the same brokerage. Pick the one that sounds like your situation.
Buying from outside the U.S.
A passport, a visa, or an ITIN instead of a Social Security number. The loan is sized mainly on what the property earns and what you hold in reserve — not on a credit file you were never able to build.
Buying U.S. rental property
DSCR loans size the request on whether gross market rent covers the monthly housing payment. Useful when a conventional debt-to-income file is the wrong tool — self-employed, heavily depreciated, or simply too many doors.
Agents and referral partners
Price the deal before you write the offer. Run the scenario yourself, see the payment and the coverage, then hand the client over with the numbers already on the table instead of a maybe.
Foreign-national focus
Most of the files we work are the ones a U.S. bank cannot place: a buyer from Latin America or Central America with capital, a clear plan, and no U.S. credit score. Non-QM programs size that loan on the rent the property will earn and the reserves the buyer holds, so the file can move without a credit history that was never going to exist.
How it works
You should know whether a deal works before anyone pulls your credit or asks for a document.
Use the calculators on this site before you speak to anyone. Payment, PITIA, coverage ratio, cash to close. Nothing is stored and nothing is sent.
Tell us the property and the structure you have in mind. One short form — no credit pull, no document upload at this stage.
Ordeg is an independent brokerage, not a single lender. The file goes to the investors whose guidelines actually fit it.
Structure, payment, and what underwriting will need — written down, so you can compare it against anything else on your desk.
Programs
Six programs with detail pages. Live pricing is not published here — and will not be until a guideline is confirmed.
Financing for buyers without a U.S. credit score who use a passport, visa, or ITIN and are sized mainly on the property’s cash flow and reserves.
View programInvestment-property loans sized on rent covering the mortgage payment, not on your personal U.S. income.
View programFor foreign nationals who have an Individual Taxpayer Identification Number instead of a Social Security Number.
View programUses 12–24 months of bank deposits to show income when you do not have U.S. tax returns.
View programShort-term funding to buy, renovate, and exit a property when you need speed more than a 30-year mortgage.
View programSmaller commercial and mixed-use loans underwritten on the property’s income, not a W-2 paycheck.
View programTools
Built on the same finance engine we quote from. They run entirely in your browser — no account, no login, nothing stored.
Questions
Yours isn't here? Ask it directly — the answer comes back in writing, not as a call-back request.
Ask a questionSend the address and the structure you are thinking about. You get a written answer on how the file would be placed.
This is not a commitment to lend. Rates and terms are illustrative estimates and are subject to change and full underwriting.
