

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.
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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.





