***AUS Approved but Lender Denied?***
***BankerBroker.com Saves Loans***
Super Aggressive Guidelines Virtually No Overlays
FHA – USDA – VA w/ 620 Score
Still Closing USDA Loans No Stoppage
No Max DTI w/ AUS Approval on JUMBO
NO MAX DTI on VA w/ 620 Score & AUS Approval
>620 SCORE + USDA APPROVAL = NO OVERLAYS
>620 SCORE + AUS APPROVAL = UP TO 50 DTI
>640 + AUS APPROVAL = NO MAX DTI
USE 85% OF MARKET RENTS ON 2-4 UNITS FTHB OK!
FHA HIGHLIGHTS FHA – 24-48 Hour Approvals!!! FHA – 620 MIN FICO for PURCH, RT, C/O FHA – 640 FOR JUMBO FHA – Transfer appraisals from ANY lender FHA - No DTI Limit with AUS approval & FICO > 640 (no DTI Overlay – Unlimited DTI w/ Approved/Eligible)---46.99/56.99% RATIOS OK!! REGARDLESS OF LOAN AMOUNT FHA - COLLECTIONS > 12 MOS OLD DO NOT NEED TO BE PAID OFF (cannot be housing or student loan collections) FHA – MAX DTI for 620 – 639 FICOs is 50% on Back Ratio – No Front cap w/ AUS Approval FHA – Up to 3x30 Mtg History w/ AUS Approval for RT & Purch FHA – Use 85% of Market Rents on 2-4 Units. FTHB OK! | USDA HIGHLIGHTS USDA – 24-48 Hour Approvals!!! USDA - Min 620 FICO USDA - 640+ SCORES—NO OVERLAYS USDA - 640+ NO TRADES/ALT TRADES ACCEPTED USDA - 620-639 - REFERS OK USDA - 640+ NO RENT / NO VOR USDA – NO FICO’s OK! USDA - NO TITLE SEASONING USDA - ORDER YOUR OWN APPRAISAL THROUGH ANY AMC!!! USDA - MAX LOAN AMOUNT $417K -- 103.5% LTV OF APPRAISED VALUE USDA - 640+ NO COLLECTIONS PAID, NO MI, NO ASSET VERIFICATION, NO RESERVES USDA - GIFT FUNDS ALLOWED IF NEEDED -- MAX 6% SELLER CONCESSION ALLOWED USDA - RATIOS UP TO 42/55 W/ 640+ SCORE AND GUS APPROVAL w/ Comp Factors USDA - 620-639 REFERS MAX DTI APPROX. 29/41 | VA HIGHLIGHTS VA – 24-48 Hour Approvals!!! VA - Min 620 FICO VA - 100% FINANCING IN 48 STATES INCLUDING ALASKA & HAWAII!!! VA – 620+ SCORES ALL PURCHASES VA – 620+ SCORES < $417k REFIS VA – 640+ SCORES ON IRRL’S (VA STREAMLINE) VA – 640+ SCORES ON > $417K REFI’S VA - NO SELLER TITLE SEASONING!!! VA - UP TO 6% SELLER CONCESSIONS VA - 90% MAX LTV ON C/O REFI’S VA - 30 DAYS OFF MLS FOR ALL REFI’S VA - IRRL’S ONLY DRIVE BY APPRAISAL REQUIRED VA - COLLECTIONS > 12 MOS OLD DO NOT NEED TO BE PAID OFF (unless housing or student loan) VA - UNLIMITED DTI W/ APPROVED ELIGIBLE (otherwise manual u/w w/ 41% max DTI OR 120% residual income) VA - UP TO 2X30 OK – W/ APPROVED/ELIGIBLE FOR RT, C/O, PURCHASES | |
· We accept transferred Appraisals from ANY lender
· Aggressive underwriting---VIRTUALLY NO U/W OVERLAYS OVER THE DU/LP/GUS
Our SPEED AND SERVICE
· Consistent 24-48 Hour turn-times for approvals and conditions
· Our unparalleled technology allows you track your loans real time
· Receive live notifications as your loan moves from registration through funding
· Speak directly with u/w on all approvals and condition clearing
Our Pricing
· Maximize your earnings with up to 4.0% YSP Lender Paid Compensation
· Unlimited Borrower Paid Compensation up to state high cost or Section 32
· Quick and easy online registration and lock process
Our People
· Our entire staff is vested in funding your loans
· Speak directly to your underwriter to discuss your approvals and conditions
· Dedicated account managers to service your business
· Communicate with your closer when your docs are sent
· We will always take your calls and emails
Get Approved in 48 Hours!!!
Email me for Partner Application and Rates!!!
Send us one loan and you will notice the difference!
Send us three loans and we’ll become your 1st choice for FHA & USDA!
