Over 100+ Lending Options

How It Works

A simple process designed to help you move from application to closing with confidence.

Illustration of a woman applying online for a mortgage
STEP 1 — Start Your Quick Scenario

Share a few details about your purchase, refinance, or investment goals.

No credit check required — just the basics we need to price your loan accurately.

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STEP 2 — We Shop 100+ Lenders for You

We compare programs, guidelines, and wholesale pricing across our lender network to find the best options for your scenario — often saving clients thousands over the life of the loan.

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STEP 3 — Get Approved & Close With Confidence

We guide you through underwriting, approval, and closing — ensuring a smooth, transparent, and supportive experience from start to finish.

Why BoniFi

These are the values that guide every loan we originate.

Personal & Transparent

We guide you one-on-one, answering questions by call, text, or email. Our goal is simple: offer transparent advice, great loan options, and a mortgage experience that always feels clear, supportive, and fair.

Experienced & Efficient

We’ve helped over 1,700 clients close loans tailored to fit their specific needs. We always aim to streamline your experience from start to finish.

Looking out for you

With direct origination, access to 100+ lenders and wholesale pricing, we’re committed to finding financing that fits you, not a rigid guideline.

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+ Loans Closed

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Over $550M Funded

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Access to 100+ Lenders

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Frequently Asked  Questions

Have a question not listed? Check out our Learn page or reach out to us with one of the options below! 

What makes BoniFi Capital different from a bank or direct lender?

We shop 100+ wholesale lenders to find the best rate and terms for you—not just one bank’s option. That means lower rates, more loan options, and a more personalized experience from start to finish.

Do you charge any fees?

There are no additional fees for using us compared to going directly to a lender. In most cases, we’re compensated directly by the lender—so you get wholesale pricing with no broker fees.

What loan programs do you offer?

We cover all major programs: Conventional, FHA, VA, Jumbo, DSCR, Bank Statement, 1099, Asset-Depletion, HELOCs, Rehab loans. Primary homes, Second Homes, and Investment Loans depending on the State.

If a program exists, we likely have it. Check our loan programs page for specific program information. 

Can you help if another lender told me “no”?

Usually, yes. Many borrowers get approved with us after being denied elsewhere. With access to 100+ lenders and flexible guidelines, we’re able to find creative solutions most banks don’t offer.

If there are no clear solutions we'll let you know quickly.

Can you beat my current offer?

In most cases, yes.

We shop dozens of lenders at the wholesale level, which often lets us beat retail banks and direct lenders. If you upload your Loan Estimate, we’ll give you a fast, no-pressure comparison and show you exactly where you can save — or confirm if you already have a great deal.

Contact us Today!

We’re happy to answer any questions or help you get started.

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Helpful guides and insights to support your mortgage decisions.



©2025 BoniFi Capital LLC. NMLS 2664654.
All rights reserved.

BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.

Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.

Matthew 22:37-39