Giant Lending
Bill Thomas
Presidents Club National Account Executive
I help mortgage brokers utilize Giant Lending’s programs & platform to grow their business, offer more options to assist more clients with the realization of their real estate goals and dreams.
Giant Lending offers the most options to assist self-employed clients, offering alternative ways to prove income. From Bank Statement Loans, P&L, 1099, Asset Based programs and so much more! Giant also offers the most options for real estate investor clients. From Best Priced Conventional Investment to the most and best priced DSCR options.
Difficult FHA, VA, or Conventional scenarios? Call me — let’s see how our experienced underwriting team can help. Our team averages over 10 years of underwriting experience. Don’t forget our industry-leading 100% & 101.5% FHA financing. No third party to deal with — we do it all in-house, with best-priced, fast, clean approvals.
01About
I’m available when you are, on call 24/7 365
Hi, I’m Bill Thomas with Giant Lending.
I work differently. I’m available when you are, because my job is to help you close more loans and grow your pipeline.
I’ve spent 25 years in this business, including 10 as an underwriter and underwriting manager. That means I can tell you early whether a file will fly, how to structure it so it does, and what underwriting is looking for so you don’t waste your time.
If you’ve got a deal that needs a real answer instead of a runaround, or a “just submit it”, that’s what I’m here for.
02Programs
Programs
Every card opens the real Giant Lending page. Use it to pick a product, then call me if the file still needs a human.
Hub
All Programs
The full Giant Lending menu — Non-QM, agency, jumbo, government, and specialty.
Non-QM
Non-QM
Bank statement, P&L, 1099, ITIN, asset depletion, and other alt-doc first liens.
Non-QM overviewNon-QM
Bank Statements
Self-employed income on the Non-QM page. Run numbers in the calculator under Calculators.
Bank statement optionsInvestor
DSCR 1–4
Business-purpose 1–4 unit DSCR — qualify on property cash flow.
DSCR 1–4Investor
DSCR Fusion
DSCR plus asset depletion when rent alone is short.
DSCR FusionEquity
Non-QM Seconds
Closed-end seconds without refinancing the first — DSCR, bank statement, and full doc.
Seconds overviewPurchase
DPA Plus
Down-payment assistance paired with a Giant first — not limited to first-time buyers.
DPA PlusAgency
Alt Agency
Agency-style options when the file needs more flexibility than a standard AUS approve.
Alt AgencyJumbo
Jumbo
High-balance and jumbo pricing for borrowers above conforming limits.
JumboGovernment
VA
VA purchase and refinance through Giant’s government desk.
VA loansGovernment
FHA
FHA purchase and refinance, including files that need a manual look.
FHA loansAgency
Conventional
FNMA / Freddie conventional for clean agency files.
ConventionalCredit
Sub 600
Non-QM for lower FICO scenarios that still fit Giant overlays.
Sub 600Investor
Business Purpose
Investor hub — DSCR, fusion, and other business-purpose products.
Business purpose hub
Calculators
Run the numbers before you submit.
Debt consolidation, bank statements, seconds, and DSCR — then call me for all available options.
Calculator
Debt Consolidation Calculator
Blend liens and other debts into one rate, then see what rolling them into a new loan does to the payment.
Open calculatorCalculator
Bank Statement Calculator
3- and 12-month bank statement income before you lock the story.
Open calculatorCalculator
Non-QM Second Calculator
Size a closed-end second without disturbing the first lien.
Open calculatorCalculator
DSCR Calculator
Run DSCR on the unit mix before you send the file.
Open calculator
Tools
Rates, email, and submission.
Pull the sheet, send the scenario, or open the submission form. I stay on the file after you hit submit.
05Contact
Send the scenario. I’ll tell you if Giant can do it.
Call or email directly — this is my line, not a shared intake queue.