Wexmoor Circle · for referral partners
When you decline it for the building, not the borrower — send it here.
We take business-purpose files on one to ten units in California. We do not take owner-occupied and we do not take conforming, so we are not competing for the work you actually want.
For lenders, agents and CPAs
We take the files your product cannot.
And we do not compete for the ones it can. That is the whole arrangement.
A decline earns you nothing. You lose the borrower, and usually the person who sent them to you watches it die too. Most of the time it was never the borrower’s fault — it was the building, the entity, or the income shape.
Send it here. We read the file for free and tell the borrower straight. You keep the relationship either way.
The boundary
What we take, and what we will not touch.
Read the right column first. It is the reason your core book is safe.
We take
Business purpose · one to ten units · California
Non-warrantable condominium — the project failed review, not the borrower.
Rental loans underwritten on the rent rather than a tax return.
Ground up construction on investment property.
Property held in an LLC or a partnership.
A construction loan maturing with no takeout arranged.
A property bought for cash where the owner wants the capital back out.
We will not touch
This is the part that matters to you
Anything owner-occupied. A home the borrower or their family will live in goes straight back to you, or to Pacific Prestige.
Anything conforming. If it fits the agency box it belongs in your pipeline, not ours.
Second homes.
SBA.
Anything outside California.
What happens next
You will hear what happened. Every time.
Including when the answer is no, which is the part most people skip.
One. Send the address and whatever the borrower already told you. An email is enough.
Two. We read it and come back inside one business day with a plain answer: fundable, fundable with a condition, or not fundable and why.
Three. We tell you the answer too. If the HOA litigation kills it for every lender, you should know that before the borrower calls you back asking.
Nothing is ordered and nothing is owed at any point in that. There is no fee to you, ever.
Who you are sending them to
Four people, three licences, one habit.
We read the file before anybody pays for anything.
Wexmoor Circle LLC is a California mortgage brokerage that also holds a general contractor’s licence through Pacific Prestige Properties and runs a material supply operation. That is unusual, and it is why we can say what a construction stage actually needs rather than guessing at it.
It is a small firm. You will deal with the person who read the file.
Wexmoor Circle LLC · NMLS #2841970 · Equal Housing Opportunity. Information only; not a commitment to lend. We are a broker and we do not lend our own money.
Turn one down this month? Send it over.
The address and whatever the borrower told you is enough. You get a plain answer inside one business day, and so do they.
