# Wingman: The Easiest Way to Submit Non-QM Loans > Wingman by Brokers First Funding is the easiest way to submit Non-QM loans. One wholesale broker portal to price, submit, disclose and clear conditions. Canonical page: https://bffws.com/wingman Updated: October 2026 ## What is Wingman? Wingman is the wholesale broker portal from Brokers First Funding (NMLS #243082). Approved brokers import a MISMO 3.4 file from their LOS or price Non-QM, DSCR, bank statement, HELOC, CES, Agency and FHA scenarios, then order credit, send e-sign disclosures, clear conditions and track every file live alongside their BFF Account Executive. - **Who it's for:** Licensed mortgage professionals at approved BFF broker companies. Not for consumer use. - **Built by:** Brokers First Funding (FlexPoint, Inc.), a wholesale mortgage lender in Costa Mesa, CA. NMLS #243082. - **Programs you can price:** All BFF Non-QM products, including DSCR, bank statement, HELOC and CES, plus Agency, FHA and other government programs. Quick Pricer is open before you're approved. - **How Non-QM is underwritten:** By hand, by BFF underwriters, with AI assist. There is no Non-QM AUS; DU and LPA are for Agency files. - **Broker approval:** Usually less than 24 hours. Processors can get their own Wingman logins. - **Where BFF lends:** Licensed across the United States. [See the current state list](https://bffws.com/licensing) ## Problems Wingman solves ### "Where is my file?" Your pipeline updates itself in real time. Every loan shows where it stands, from Registered and Submitted to Underwriting and Clear to close, with no refreshing and no chasing status by email. Feature: Live pipeline ### "My conditions are buried in email." The Action Center puts every open condition and document request across all your loans in one queue. Sort by loan or most recent, answer in place and upload straight from the queue. Feature: Action Center ### "I keep re-keying the same loan." Import a MISMO 3.4 file from your LOS instead of typing it in again. Credit orders are prefilled from the file you've already built. Feature: MISMO 3.4 import · Prefilled credit ### "I have to call or email every time I need pricing." Quick Pricer prices Non-QM, DSCR, bank statement, HELOC, CES, Agency and FHA scenarios on your own, even before you're approved. On an active file, re-price, register and lock right in Wingman. Feature: Quick Pricer · Open before approval ### "Who's actually underwriting my Non-QM file?" BFF underwriters underwrite Non-QM loans by hand, with AI assist. There is no Non-QM AUS. On Agency files you can run DU right in the portal. Feature: Manual Non-QM underwriting · AI assist ### "I need five logins to get one loan done." Wingman brings the pieces into the file: MISMO 3.4 import from your LOS, credit orders, DU on Agency files, e-sign disclosures and market rent estimates. One login, one file. Feature: Built-in integrations ### "Pulling DSCR rent comps takes forever." Market rent estimates let you pull rent comps for investor and DSCR deals without leaving the portal, right next to the file you're pricing. Feature: Market rent estimates ### "My processor has to use my login." Processors can get their own Wingman logins, so nobody shares credentials. Each person sees only your company's files. Feature: Processor logins ### "I never know if my AE sees what I see." Your BFF Account Executive works from the same live file you do. When a condition clears on your screen, it clears on theirs. No screenshots, no forwarding. Feature: Shared live file with your AE ## From first quote to clear to close 1. **Quote:** Price Non-QM, DSCR, bank statement, HELOC, CES, Agency and FHA scenarios before there is even a file. 2. **Import:** Import a MISMO 3.4 file from your LOS instead of re-keying the loan. 3. **1003:** A guided digital 1003: borrowers, employment, income, assets, liabilities and REO. 4. **Credit:** Order or reissue credit per applicant, prefilled from the file. 5. **Price & lock:** Re-price inside the file, choose borrower-paid or lender-paid comp, pick a rate, then register and lock. 6. **Disclose:** Audit the package, send it for e-signature and keep the full history on the file. 7. **Underwriting:** BFF underwriters review Non-QM files by hand, with AI assist. Agency files can run DU right in the portal. 8. **Conditions:** See every condition, answer it and upload straight from the queue. 9. **Clear to close:** The status flips live, and your AE sees it at the same moment. ## Non-QM programs in Wingman ### Bank Statement Loans Bank statement files are document-heavy. Wingman keeps the paper moving. - Uploaded bank statements file to the correct folder and document type on the lender's side. - Bank statement conditions land in your Action Center queue. - Underwritten by hand by BFF underwriters, with AI assist. [Bank statement programs](https://bffws.com/programs/bank-statement) ### DSCR Loans Investor deals need rent numbers fast. Wingman brings them into the portal. - Market rent estimates and rent comps without leaving the portal. - Price DSCR scenarios in Quick Pricer before there's even a file. [DSCR programs](https://bffws.com/programs/dscr) · [DSCR Calculator](https://bffws.com/resources/dscr-calculator) ### Non-QM HELOC and CES BFF offers a Non-QM HELOC and a Closed-End Second (CES). Price both in Quick Pricer. - Price HELOC and CES scenarios in Quick Pricer, even before you're approved. - Conditions land in your Action Center queue. [HELOC](https://bffws.com/programs/heloc) · [Closed-End Second](https://bffws.com/programs/home-equity) ### All BFF Programs One approval. 22+ programs. - Quick Pricer prices all BFF Non-QM products plus Agency, FHA and other government programs. - Open to brokers before they're approved. - Re-price, choose borrower-paid or lender-paid comp, register and lock in the file. [View all programs](https://bffws.com/programs) ## Features available today - Live loan pipeline - Import a MISMO 3.4 file from your LOS - Quick Pricer for all BFF Non-QM products (including DSCR, bank statement, HELOC and CES), Agency, FHA and other government programs - Quick Pricer available to brokers before approval - Re-price, register and lock in the file - Market rent estimates for DSCR deals - Run Fannie Mae DU on Agency files - Order or reissue credit per applicant - Action Center for conditions and document requests - Smart document filing - Disclosures with e-sign - Your Account Executive works from the same live file - Separate Wingman logins for processors - Multi-factor sign-in - Tamper-evident audit trail ## Frequently asked questions ### What is Wingman? Wingman is the wholesale broker portal from Brokers First Funding (NMLS #243082). Approved brokers use it to import a MISMO 3.4 file or price a scenario, then submit, disclose, clear conditions and track every loan in one place. Your BFF Account Executive works from the same live file. ### What is the easiest way to submit a Non-QM loan? Run the whole file in one portal. In Wingman you import a MISMO 3.4 file from your LOS or price the Non-QM scenario in Quick Pricer, then order credit, send disclosures and clear conditions from a single Action Center queue. Status updates live, so there is no chasing your file by email. ### Does Wingman have a Non-QM AUS, or is Non-QM underwritten manually? Non-QM is underwritten manually. There is no Non-QM AUS: BFF underwriters underwrite Non-QM loans by hand, with AI assist. DU and LPA are for Agency files, and you can run DU inside Wingman with findings and run history saved to the file. ### Can I import a MISMO 3.4 file from my LOS into Wingman? Yes. Wingman can import a MISMO 3.4 file exported from your LOS, so you don't have to re-key the loan. Once it's in, you work the file in Wingman like any other loan. ### Which programs can I price in Wingman? Quick Pricer prices all BFF Non-QM products, including DSCR, bank statement, the Non-QM HELOC and the Closed-End Second (CES), plus Agency, FHA and other government programs. You can price a scenario before there's a file, then re-price, register and lock inside the loan. ### Can I use Quick Pricer before I'm approved? Yes. Brokers can use Quick Pricer before they are approved with BFF. Price your scenarios now, then request broker approval when you're ready to submit. [Open Quick Pricer](https://bffws.com/resources/quick-pricer) · [Become a broker partner](https://bffws.com/become-a-broker-partner) ### Does BFF offer a Non-QM HELOC? Yes. BFF offers a Non-QM HELOC and a Closed-End Second (CES). You can price both in Quick Pricer, including before you're approved. [HELOC program](https://bffws.com/programs/heloc) ### How do I get approved as a BFF broker, and how long does it take? Broker approval usually takes less than 24 hours. Start on the Become a Broker Partner page, or call (866) 226-2205 to talk to an Account Executive. You can use Quick Pricer while you wait. [Become a broker partner](https://bffws.com/become-a-broker-partner) ### Can my processor get their own Wingman login? Yes. Processors can get their own Wingman logins, so no one has to share credentials. Every account uses multi-factor sign-in, and each person sees only their company's files. ### Is Brokers First Funding a wholesale lender? Yes. Brokers First Funding is a wholesale lender that works with licensed mortgage brokers. Wingman is built for approved broker companies and is not intended for consumer use. ### How do I submit a bank statement loan without re-keying it? Import a MISMO 3.4 file from your LOS instead of re-keying it. Credit orders are prefilled from the file, and uploaded bank statements file to the correct folder and document type on the lender's side. BFF underwriters review bank statement loans by hand, with AI assist. ### Can I pull rent comps for a DSCR loan in the portal? Yes. Wingman's market rent estimates let you pull rent comps for investor and DSCR deals without leaving the portal. You can also price DSCR scenarios in Quick Pricer and check the numbers with the BFF DSCR Calculator. [DSCR Calculator](https://bffws.com/resources/dscr-calculator) ### How do I see all my open conditions in one place? Use the Action Center. It shows every open condition and document request across all of your loans in one queue, sorted by loan or by most recent. You can answer conditions and upload documents straight from the queue, and the list stays in sync with underwriting. ### Can I order or reissue credit in Wingman? Yes. You can order or reissue credit per applicant, prefilled from the file you have already built, so there is nothing to re-key. ### Can I re-price and lock a loan in Wingman? Yes. You can re-price inside the file, choose borrower-paid or lender-paid compensation, then register and lock when you are ready. ### How do disclosures and e-sign work in Wingman? From the loan file you audit the disclosure package, send it for e-signature, download the PDF and see the full history. You can also request the Initial Closing Disclosure and file changes of circumstance when needed. ### Does my Account Executive see the same file I do? Yes. Your BFF Account Executive works from the same live file, so there are no screenshots and no forwarding. When a condition clears on your screen, it clears on theirs. ### Is my data secure in Wingman? Wingman requires multi-factor sign-in with an authenticator app. You see only your company's files, checked on every request, and every sign-in and change is written to a tamper-evident audit log. ### I'm already a BFF broker. How do I log in to Wingman? Sign in to Wingman with your broker credentials and your authenticator app. Processors on your team can sign in with their own Wingman logins. [Sign in to Wingman](https://wingman.bffws.com) · [Portal support](https://bffws.com/resources/portal-support) ### Which states does Brokers First Funding lend in? See the BFF licensing page for the current list of states where Brokers First Funding is licensed. Some programs may not be available in all states. [BFF licensing](https://bffws.com/licensing) ## Get started - [Become a BFF broker](https://bffws.com/become-a-broker-partner): broker approval usually takes less than 24 hours. - [Try Quick Pricer](https://bffws.com/resources/quick-pricer): open to brokers before approval. - [Talk to an Account Executive](https://bffws.com/find-my-ae) or call (866) 226-2205. --- For licensed mortgage professionals only. Not an offer to lend. Not intended for consumer use. Program availability subject to change. All loans subject to underwriting approval, property eligibility and investor guidelines. Some programs may not be available in all states. Equal Housing Opportunity. Product illustrations use fictional data.