top of page
Abstract blue - AdobeStock_592262933.jpeg
ChatGPT Image May 7 2026 at 08_05_35 PM.png

Tim Gray

Tim Gray specializes in strategic lending solutions for brokers working with non-traditional borrowers. He partners closely with mortgage professionals to structure complex deals using flexible programs like DSCR, Bank Statements, and Asset Utilization. Known for his responsiveness and hands-on support, Tim helps brokers confidently grow their Non-QM production and close more deals.

My Contact Information

Office: (888) 702-3385

Cell:     (818) 261-2634

Email:   Tim.Gray@5thstcap.com

  • LinkedIn

Visit my LinkedIn Profile​

Helping You Grow Your Production and Close More Deals

As a Non-QM Wholesale Account Executive at 5th St Capital, I specialize in delivering strategic lending solutions for brokers serving borrowers outside traditional agency guidelines. I partner closely with mortgage professionals to provide flexible Non-QM products, competitive pricing, and scenario-driven support that helps close complex deals efficiently. With a deep understanding of DSCR, bank statement, asset utilization, and other alternative documentation programs, I focus on structuring loans that expand opportunities for self-employed borrowers, real estate investors, and credit-challenged clients. My approach is built on responsiveness, transparency, and consistent execution from submission to funding. I pride myself on being more than a lender rep — I’m a true partner to my brokers. Whether it’s pre-qualifying tough scenarios, navigating guideline nuances, or ensuring smooth closings, I work to help my partners grow their Non-QM production with confidence. Let’s connect if you’re looking to expand your Non-QM offerings and close more deals with the right lending partner.

See what our brokers have to say

Google Reviews

MY MOST POPULAR NON-QM PRODUCTS

Self Employed - 1200x800 - AdobeStock_534110668_edited.jpg

BANK STATEMENT LOANS

investor 1200x673 - AdobeStock_912816439_edited.jpg

DCSR INVESTOR LOANS

TIC 1200x800 - AdobeStock_410710709.jpg

TENANCY-IN-COMMON

P&L Header - AdobeStock_435197787.png

P & L ONLY

Schedule a Meeting

Pick a Time that works for you; You'll add your details on the next step.

Schedule an appointment
May 2026
SunMonTueWedThuFriSat
Week starting Sunday, May 24
Time zone: Coordinated Universal Time (UTC)Phone call
Tuesday, May 26
10:00 AM - 11:00 AM
11:00 AM - 12:00 PM
12:00 PM - 1:00 PM
1:00 PM - 2:00 PM

How can I help?

bottom of page