A bank can only offer its own products at its own rates. As an independent broker, Manor shops 40+ wholesale lenders on your behalf — finding the best rate and program for your specific scenario. You get more options, better pricing, and the same (or faster) service.

Absolutely. We have multiple programs designed specifically for self-employed borrowers. Bank statement loans qualify you on 12 or 24 months of deposits — no tax returns required. P&L loans, 1099-only, and asset depletion programs are also available depending on your situation.

DSCR (Debt Service Coverage Ratio) loans qualify based on the investment property's rental income rather than your personal income. If the rent covers the mortgage payment, you can qualify — no W-2s, no tax returns, no DTI calculation. Ideal for real estate investors who want to scale without being limited by personal income documentation.

It depends on the loan type. Conventional, FHA, and VA loans typically close in 21–30 days. Jumbo and Non-QM run 21–35 days. Hard money and bridge loans can close in as few as 7 days. The single biggest factor in timeline is how quickly documentation is provided — a complete file moves significantly faster.

Manor Home Loans is currently licensed in California. Expansion to additional states is planned. If you have a scenario in another state, reach out directly at dru@manorhomes.co and we can discuss options.

Any rate advertised without knowing your credit score, LTV, loan type, property type, and lock period is a marketing number — not your number. As a wholesale broker, Dru pulls live pricing from 40+ lenders and presents your actual options. The fastest way to get real pricing is to start an application or reach out directly.

A reverse mortgage lets homeowners 62+ convert home equity into cash without monthly mortgage payments. The loan is repaid when the home is sold or the borrower moves out. It's a legitimate financial planning tool when structured correctly — the stigma around them is largely outdated. HUD-approved counseling is required before closing, and we'll walk you through every step.