About Us

Host IO is the first tech solution to simplify Non-QM origination and deliver best-in-class results to its borrowers, brokers, and lenders. While our marketplace drives competition amongst brokers and lenders, our integrated SaaS platform yields frictionless origination. Super powered by proprietary machine learning algorithms, borrowers and brokers are guaranteed a smooth path to processing. 

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About Us

Host IO is the first tech solution to simplify Non-QM origination and deliver best-in-class results to its borrowers, brokers, and lenders. While our marketplace drives competition amongst brokers and lenders, our integrated SaaS platform yields frictionless origination. Super powered by proprietary machine learning algorithms, borrowers and brokers are guaranteed a smooth path to processing. 

Simplifying Non-QM Loan Origination

Host IO has launched with the mission to help the most underserved market in real east financing – Non-QM. It may only make up $60 B of the $2.2 T market today but estimates have it growing to over $200 B by 2030. The lack of attention from major software companies, means no one has made this process very easy – from borrowers, to brokers, to loan originators, to lenders. Everyone struggles. Borrowers aren't aware of the loan programs that lenders are creating and their broker isn't well educated on the process either. Lenders are changing rates every single day which means brokers spend a lot of time and energy shopping around. Loan originators have a lot of manual processes that technology should easily be able to solve. Host IO is here to solve all of these problems so that Borrowers, Brokers, and Lenders can all save time, money, and energy.

simplify non-qm origination

Who benefits from a Non-QM Loan?

Real estate investors, small business owners, freelancers, gig workers, foreign nationals and anyone without a W-2 whom were previously denied through conventional methods.

What are alternative qualification methods?

Bank statements, asset depletion, real estate current asset value, real estate future asset value, borrowers’ experience, and DSCR.

What loan types are available?

Permanent fixed rate, bridge, fix and flip, construction, BRRRR, long term rental, and short term rental.

Meet Our Founder

seth au founder host io non-qm

Seth Au, Founder

Meet Our Founder

“I spent 10-years as a principal investor and real estate developer and 5-years as a mortgage broker. My financing deals were always done through brokers and lenders I had personal relationships with.  The process was chaotic and always painful since I didn't have a W-2 and needed alternative qualification methods. When I became a broker, I unfortunately realized I did not always get the best deals because I left that up to my broker. I should have shopped around but maintaining relationship with more than a handful of lenders was incredibly difficult. I still didn't shop around. Mistake! Luckily, other segments of the industry have tackled this very problem! Great digital marketplaces like Morty for conventional loans and Lev Capital for commercial real estate have popped up in the last few years that created a one-stop shop for financing – numerous lenders to pick from, integrated tech stacks, and on-staff and impartial experts. This gave borrowers trust, transparency, and speed. This is exactly what is needed for the Non-QM space.”

Our Products

Host: Kayla

Borrowers will access our Pre-Qualification Engine. Upon Submission Host: Kayla will search our database and match the Borrower to the appropriate broker. Our broker will instantly receive a full pre-qualification summary with the recommended lender and loan program.

  • Pre-Qualification Engine

  • Product and Pricing Engine

  • Broker Market Place

  • Lender Market Place

  • AI-Powered (2023)

Host: Tiempo

Brokers will manage the full process via our native POS. It will be integrated to their LOS to streamline origination. Borrowers will have complete transparency of the process. AI will monitor the lender's efficacy, Lender Rematching will activate if lender show signs of faltering.

  • Native POS

  • LOS API Integrations

  • AI-Monitored (2023)

  • Lender Rematching (2023)

Host: TiempoTPO

Coming in 2023, we will be able to integrate the brokers and lenders LOS to further increase the velocity of origination and reduce human error.

  • Integrated LOS

  • One Click Submission

we support brokers borrowers lenders non-qm

We have your back!

  • Borrowers are matched with the right broker, the right lender, and the right loan program without the hassle. At no additional cost, Pre-Qualification is complete in 15 mins, not 15 days!

  • Brokers receive free fully pre-qualified leads and leverage our integrated tech stack to streamline loan origination. Host:Kayla instantly searches our database for the best deals and Host:Tiempo means documents only need to submitted once! On average, our brokers save 5 hours per application.

  • Lenders receive free fully qualified leads and gain maximum loan program awareness at no additional cost. Host:Kayla ensures that brokers are up to date on the latest rate changes, guidelines changes, and new loan programs.

Our Standards

Loan Program Awareness

Borrowers and Brokers aren't aware of all the loan programs that exist or are rolling out every day But we are!

Integrated Tech Stack

Our Pre-Qualifying Engine and native POS is integrated to your LOS. Your processors will thank you.

Broker Marketplace

When a Borrower pre-quals via Host: Kayla, they are instantly matched with a Broker to meet their need.

Lender Marketplace

When a Borrower pre-quals via Host: Kayla, they are instantly matched with the best lender and loan program.

Product and Pricing Engine

Non-QM Lenders are changing rates and guidelines daily. Our PPE is updated daily to save brokers energy.

Multidisciplinary Team

Our team comprises of experts in each stage of real estate. We are active in the industry.

Join the Waitlist

Simplifying Non-QM loans!

To inquire about our investor deck, please email info@poweredbyhost.io

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We’re on a mission to simplify Non-QM!