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Deal Architect 

We will help you structure your deal so it gets approved on the first run...

Submit your scenario

Share the details and our Deal Architect team will structure it for a clean approval.

The more context you share, the sharper the structure we send back.

How to submit a scenario

Use the Deal Desk when a scenario does not fit a standard box and you want it structured before the file goes to underwriting. Complete the form with your name, a scenario label, your work email and the scenario details: loan amount, property, credit, income type and your key questions. Attachments are optional.

Typical scenarios include self-employed bank statement and P&L Only files, DSCR low-ratio and No-Ratio deals, Foreign National and ITIN scenarios, 5–9 unit and mixed-use properties, and asset depletion or complex income.

The Deal Desk is for licensed brokers and TPO partners placing investor business-purpose and Non-QM loans. Not approved yet? Become an approved broker. Check state availability on the lending area page and guidelines on the programs page.

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Defy Mortgage, LLC · NMLS #2383214 · 1030 16th Ave S, FL 2, Nashville, TN 37212

Defy Wholesale is the wholesale (TPO) channel of Defy Mortgage, LLC. We lend on investor business-purpose transactions across a 39-state lending area and work only through licensed mortgage brokers and third-party originators. Brokers can apply to become an approved partner.