Mortgage Broker | Home Loans, VA Loans & Commercial Financing in 49 States

More Loan Options. Competitive Rates. Out-of-the-Box Lending.

When a traditional bank or retail mortgage lender says no, that doesn't necessarily mean you can't get approved for a mortgage.

I'm Burx Norrod, a Marine Corps veteran and mortgage broker with more than 20 years of experience in mortgage lending. Based in Albuquerque, New Mexico, I can help borrowers with financing in 49 states, giving homebuyers, homeowners, veterans, real estate investors, and Realtors access to a wide range of residential and commercial lending solutions.

Unlike a retail lender or bank that is generally limited to its own products, pricing, and underwriting guidelines, as a mortgage broker I have access to a large network of wholesale lenders and specialized loan programs.

That allows me to shop for the right combination of competitive mortgage rates, lower lender fees, flexible underwriting guidelines, and loan programs based on the individual borrower.

Whether you're buying a home, refinancing, investing in real estate, or looking for commercial financing, my goal is simple:

Find a way to get the deal done.

Why Use a Mortgage Broker Instead of a Bank or Retail Lender?

A traditional retail lender generally offers its own mortgage products, pricing, and underwriting guidelines. If you don't fit inside their box, your options may be limited.

As a mortgage broker, I can shop among multiple wholesale lenders.

That can provide access to:

• Competitive mortgage rates and lower lender fees
• More loan programs and lending options
• Flexible credit requirements
• Alternative income documentation
• Solutions for self-employed borrowers
• Programs for borrowers who have already been denied
• Residential and investment property financing
• Commercial real estate and business-purpose loans
• Mortgage financing available to qualifying borrowers across 49 states

Sometimes the difference between a mortgage denial and a mortgage approval isn't the borrower—it's finding the right lender.

That's why I specialize in out-of-the-box mortgage lending that can turn denials into approvals.

100% Financing & Low Credit Score Mortgage Options

Perfect credit isn't always required to buy a home.

Depending on borrower, property, and program qualifications, I have access to 100% financing options with qualifying credit scores as low as 580.

I also work with FHA, conventional, down payment assistance, self-employed, bank statement, Non-QM, ITIN, jumbo, renovation, investment property, and other specialized mortgage programs.

If another lender has told you that you don't qualify, don't assume that's the final answer.

Let me take another look.

VA Home Loans — A Veteran Helping Veterans

I'm a United States Marine Corps veteran, so helping fellow veterans, active-duty military members, and military families utilize their VA home loan benefits is especially important to me.

VA loans can provide tremendous benefits, including 100% financing for eligible borrowers, but lenders can have very different credit requirements and underwriting overlays.

I have access to VA loan options for qualifying borrowers with credit scores as low as 500.

If you've been turned down for a VA mortgage because of your credit score or another underwriting issue, another lending option may exist.

One lender saying no doesn't necessarily mean the VA loan can't be done.

Mortgage Lending in 49 States

Although I'm based in Albuquerque, New Mexico, my business isn't limited to Albuquerque—or even New Mexico.

I can help qualifying borrowers with mortgage financing in 49 states, allowing me to work with homebuyers, homeowners, veterans, real estate investors, and real estate professionals throughout most of the country.

So whether you're buying a home in New Mexico or your Realtor business takes you across state lines, you can have one mortgage resource for transactions throughout most of the United States.

Commercial Loans & Real Estate Investment Financing

My lending services aren't limited to residential mortgages.

I can also help business owners, commercial property buyers, and real estate investors explore commercial real estate loans and business-purpose financing.

Access to multiple lending sources can provide financing alternatives that may not be available through a traditional bank or retail mortgage lender.

Whether you're purchasing a primary residence, investment property, or commercial real estate, I can help explore financing options that fit the transaction.

Realtors: A Denied Buyer Doesn't Always Mean a Dead Deal

If you're a Realtor, I'd like to be the mortgage broker you call when another lender can't get the deal done.

You've already invested your time helping your client find a home. Don't automatically lose the buyer—or the sale—because one lender issued a denial.

The problem may be the lender's credit overlays, debt-to-income requirements, income calculations, property guidelines, or simply that the lender doesn't offer the program your buyer needs.

Before you give up on the buyer, give me the scenario.

My out-of-the-box approach to mortgage lending allows me to search for solutions for difficult transactions and borrowers who don't fit neatly inside traditional lending guidelines.

And because I can help borrowers in 49 states, I'm not just a resource for Realtors in Albuquerque or New Mexico.

Realtors: Connect with me to see how having a nationwide mortgage broker in your corner can help you save more deals, close more transactions, and sell more homes.

Looking for a Mortgage Broker? Let's Talk.

Whether you have excellent credit and want competitive mortgage pricing, you're a veteran looking to use your VA benefits, you're self-employed, need 100% financing, are purchasing commercial property, or you've already been denied by another lender, I'm happy to take a look.

I've worked in mortgage lending since 2002 and combine that experience with the flexibility and lending options available through the wholesale mortgage broker channel.

One lender saying no doesn't mean the answer is no.

Let's take another look.