Residential Products

Our Offerings

We offer custom first & second  mortgage financing at competitive terms.

Whether your client is looking to purchase a home, refinance, or access equity, our flexible mortgage solutions are designed to provide financing where traditional lenders may fall short. Each loan is structured to reflect the unique profile of the borrower and property, ensuring tailored terms and responsive service.

Our team works with brokers to structure deals that are fast, fair, and focused on closing.

Our Rates

1st Mortgages.

|

|

Ranking

LTV (urban)

|

Rate

Fees

PURCHASES

1st

< 65%

7.19%

1.00%

1st

65%-70%

7.25%

1.50%

1st

71%-75%

7.39%

2.00%

REFINANCES

1st

< 65%

7.44%

1.25%

1st

65%-70%

7.50%

1.50%

1st

71%-75%

7.50%

2.00%

FICO Score: 580+ | Term: 1 year | Loan Amount: $150,000 to $4,000,000 | Additional fee for rentals may apply

Guidelines:

  • Owner occupied rental & investor properties

  • Up to 75% on Purchases

  • Up to 75% on Refinances

  • No additional premiums

  • Fully open mortgages

  • No GDS/TDS requirement

  • Interest only payments

  • No up-front retainers

2nd Mortgages.

Ranking

|

LTV

|

Rate

|

Fees

2nd

< 50%

9.25%

2.00%

2nd

50%-60%

9.99%

2.00%

2nd

61%-65%

10.25%

2.00%

2nd

66%-70%

10.75%

2.00%

2nd

71%-75%

11.25%

2.00%

FICO Score: 580+ | Term: 1 year | Loan Amount: $150,000 to $2,000,000 | Additional fee for rentals may apply

Guidelines:

  • Owner occupied rental and investor properties

  • Fully open mortgages

  • Loans up to 75%

  • No GDS/TDS requirement

  • Interest only payments

  • No up-front retainers

Rates are for single-family residential mortgages for qualifying borrowers.

Actual rates may vary and are subject to change without notice.

E. & O. E.

Submission Process

Document Checklist:

  • - Government-issued Photo ID

  • - Mortgage application

  • - Credit Report

  • - MLS Listing

  • - Agreement of Purchase and Sale

  • - Borrower Solicitor Information

  • - Refinances: Mortgage Statement within past 30 days

  • - Refinances: Property Tax Bill

Faster Deal Funding:

  • - Submit all required documents upfront

  • - Let us know immediately if a rush closing is needed

  • - Include a detailed deal summary

  • - Disclose any financial arrears

  • - Provide complete employment information

Submission Options:

FAQs

How can I find a list of approved appraisers?

You can find our current list of approved appraisers at www.atriummic.com/appraisers-and-areas.

Does Atrium only accept applications from mortgage brokers?

Yes, Atrium works exclusively through licensed mortgage brokers. If you’re a borrower, please contact your broker to access our lending solutions.