A True Correspondent Lender Providing Capital to Private Mortgage Lenders

Verus Mortgage Capital offers correspondents responsible private/hard money and non-prime lending products intended to fill the credit void in today’s mortgage market. Verus strives to meet the needs of our private lending partners and continually looks to add new products to serve credible borrowers.  Since our inception, Verus has invested billions in loans from private lenders and mortgage bankers across the country. In addition, through our affiliates, we have completed nine rated securitizations. We have over 200 correspondent lender relationships, to whom we offer a growing number of programs.

Bridge Loan Correspondent Program

Our Bridge Loan programs enable qualified borrowers to obtain short-term financing.

  • Purchase, Refinance, Cash Out
  • Terms 6-12 months
  • LTV up to 80%
  • Loan amounts up to $4mm
  • FICO 600 min
  • Bridge to Sale Program available
  • SFD, condos and 2-4 Units: OK
  • 5+ units by exception
  • Both experienced and non-experienced borrowers: OK
  • Loans available in all 50 states

Residential Transitional (Rehab) Loan Program

Residential Transitional loans provide financing to borrowers interested in purchasing homes in need of repair.

  • Terms up to 18 months
  • FICO 600 Min
  • Purchase and Rehab up to 85% of costs
  • ARV up to 75%
  • SFD, condos and 2-4 Units: OK
  • 5+ units by exception
  • Loan amounts up to $4mm
  • Both experienced and non-experienced borrowers: OK
  • Large projects financed
  • Limited and No Experience Programs available
  • Ground-up Programs available

Investor Solutions Loan Program for Long-Term Rentals

Our flexible Investor Solution Loan Program can be underwritten to property income (debt service coverage ratio).

  • Loan amounts between $75k – $5mm
  • LTVs up to 80%
  • FICO down to 620
  • Only LTV, FICO, and DSCR required
  • Unlimited number of financed properties
  • Cash-out options
  • Can close as corporation or LLC
  • Foreign nationals eligible
  • Non-warrantable condo financing program available
  • Interest-only available

Why Verus?

At Verus Mortgage Capital, we believe today’s correspondent lenders have significant opportunities in the alternative lending space and know how they can take advantage of them — through responsible, non-prime mortgage loans. We strive to accept, not deny, non-QM loans that meet the needs of our lending partners and their borrowers. And as today’s dynamic lending environment continues to evolve, Verus continually delivers new products to serve your prospective borrowers. Verus Mortgage Capital:

  • Is 100% dedicated to providing alternative lending solutions
  • Is a supportive and committed partner that offers personal assistance and expert training to our clients throughout each loan transaction
  • Has the creativity, experienced staff and infrastructure to support uniquely flexible lending options
  • Understands how to responsibly reduce risk so our lender partners can confidently close loans
  • Forges solid partnerships with correspondent lenders — we’re over 100 strong and growing
  • Purchases non-agency loans quickly and consistently — almost $5 billion to date
  • Completed nine rated securitizations

That’s what we do and why you should consider Verus Mortgage Capital as your private mortgage lending partner.


Note: Verus Mortgage Capital is a secondary market investor in closed mortgage loans and does not extend credit or make credit decisions.

NMLS#1462920 is licensed in AL#22405, CO#1462920, DE#023073, HI#MS194, IL#MB.6761252, IA#2018-0020, KS#MC.0025490, KY#MC389339, LA#MC1462920, MI#FL0021204, MN-MS-1462920, MS#1462920, MO#17-2356-S, NE#1462920, PA#67337, SD#ML05183, WA#CL-1462920, WI#1462920BA.



Your Strategic Private Mortgage Investor Partner

Founded in 2015, Verus Mortgage Capital is a non-QM correspondent investor, backed by Invictus Capital Partners, a leading investment firm. Verus was created to address the growing and legitimate demand for specialized solutions that fall outside of conventional mortgage loan norms. Versus invests in loans originated in all 50 states and the District of Columbia and buys both owner-occupied (consumer) and investor (business purpose) loans. We offer a comprehensive suite of home financing products, many with unique features, to fill a very real void in the industry and to meet the needs of our mortgage banking partners and their creditworthy borrowers. We’re based in Washington, D.C., and have operations in Minneapolis.

There are over 100 years of collective mortgage industry experience within the Verus leadership team. Our executives’ foresight and creativity, coupled with their extensive experience in the mortgage industry and, with our alternative lending solutions, drive Versus to be leading the charge into the non-QM space. You can confidently partner with Verus as your correspondent investor for uniquely flexible, non-traditional mortgage solutions. Our goal isn’t to offer loans for every purpose or borrower. We’re specialists in the alternative mortgage space, and our commitment is to build this exciting market by working with correspondents who share our dedication to responsible alternative lending.

Year Established



  • American Association of Private Lenders - Member

Office Locations

2001 M Street, Suite 300, Washington, DC 20036

Minneapolis Office
7900 International Drive, Suite 225, Bloomington, Minnesota 55425


  • Capital Provider for Lenders
  • Correspondent Lending

Real Estate Sectors

  • Residential Investment Real Estate
  • Private Mortgage Lending

Customer Types

  • Private Mortgage Lenders
  • Mortgage Lenders
  • Residential Mortgage Brokers

Dan Smith


Jeff Schaefer

Executive Vice President – National Sales

Troy Gibbens

CFA, Head of Capital Markets and Credit

Duane Beasley

General Counsel

Daniel Lane

Senior Vice President – Head of Credit