Name: theNONI: A Year In Review webinar
Uploaded: 2019-12-10T11:45:03-08:00
Duration: 54 min 53 s
Description: In this webinar, we will review NONI's wild and highly productive 2019. See stats and results, hear testimonials and success stories, and learn about what N...

CONVENTIONAL

NON-QM

COMMERCIAL

Conventional, Fannie, Freddie, FHA and Jumbo

A & D Mortgage

A & D Mortgage

Products: Bank Statement Program, Foreign National, No Ratio, Asset Depletion, Condotels, Interest Only, 12 Month Bank Statement, 24 Month Bank Statement, DSCR, CPA, Lite Doc, Non-permanent resident, P&L only, Write VOE, 2 Month Bank Statement
Account Exec: Richard Dwyer
Contact #: 908-531-3891
Email:[email protected]
Link: https://admortgage.com/

Matrix

Primary Residence
Investment Property
Why Work with A&D Mortgage
Niches
Less Cash Up Front
A&D Mortgage Super Jumbo

Forms

Useful Tools and Resources
Non QM Submission Checklist
Our Niches
Why Work with us

PreQual Forms

REO WorkSheet
Commercial Income Expense Breakdown
Advancial Mortgage

Advancial Mortgage

Products: Coops, Jumbo to $3,500,000, Asset Depletion to 80% LTV, Foreign National -no US credit score required, Non-Warrantable Condos, Condotel Financing, Investment Properties, Hobby Farms – Farm Loans, Cash-Out up to $3,500,000, Investment Coops, Non-permanent resident
Account Rep: Alexander King
Contact #: 972.201.1622
Email: [email protected]

FORMS

Condo Questionnaire
Co-op Questionnaire
Asset Depletion Income Calculator
Wholesale Program Guidelines
Gift Letter
Broker Rate Sheet
Loan Submission Checklist
Loan Submission Summary
Niche Summary
Wholesale Mortgage Portfolio Rate Sheet
American Community Bank

American Community Bank

Products: NON QM, No Ratio 65% LTV, $2m max loan amount, loan amount > $2m…exception basis, No income / no employment / one month bank statement (show closing costs + reserves), Closing in individual name / entity is OK, 6 months seasoning, < 6 months – seasoned investor is OK, property must be leased, First Time Home Buyers is acceptable with fico/assets/dscr exception, Can use proceeds as reserves for refinance cashout, 1-4 Family, Condo, Coop, DSCR as low as .75, LTV’s up to max 75%
Account Rep: Rohit Suri
Contact #: 917.364.7402
Email: [email protected]

FORMS
Amres Wholesale Approval

Amres Wholesale Approval

Products: Conventional, 85% LTV DSCR, Manufactured Homes
Account Rep: Carl Collelo
Contact #: (610) 813-6546
Email: [email protected]

FORMS
AmWest Funding

AmWest Funding

Products: Non-QM Programs, DSCR
Account Rep: Erick Hervis
Cell #: (714) 342-1172
Office #: (714) 831-3735
Email: [email protected]

Additional Contact:

Account Rep: Isidro Amezcua
Email: [email protected]

FORMS

VOE-P&L (AAA-AAF)- Guidelines
DSCR – (AIA) – Guidelines
NO Ratio – (AIP) – Guidelines
Bank Statements – (AAB) – Guidelines
Broker Web Portal Guide
Advantage Series Comparison and Eligibility Matrices – December 1, 2023
Foreign National – At-a-Glance Matrix – December 1, 2023

Presentation Letter
Meeting Material

Rate sheet

HELOC – Guidelines
Heloc – Flyer
Closed-end-Second – NON-QM – CES – Guidelines
Closed-end-Second – CES – Guidelines
CES – NON-Qm Flyer
CES – Flyer
30+ states
Advantage Series Comparison and Eligibility Matrices – December 18, 2023
AnnieMac

AnnieMac

Products: USDA
Arbor

Arbor

Products: Multi Family

Email: [email protected]
Arbor Realty Trust, Inc.

Arbor Realty Trust, Inc.

Products: Bridge Loans, Fannie Mae and Freddie Mac, FHA, Commercial, Multi Family
Account Rep: Eugene Yanovskiy
Contact #: 917.846.1041
Email: [email protected]
Main #: 646.695.0653
Arc Home Loans

ARC Home Loans

Products: Bank Statement Program, Conventional, DSCR, FHA, First Time Investor, Investment Property, FHA 580, Interest Only, 85 LTV Investment Property, Lender Pre-Approvals, VA, Interest only option to 85% LTV, 24 Month Bank Statement, Investment Property 85 LTV no MI, DCR .75, 80% LTV on Multi-Family Investment Properties, Loans up to $3.5 Million, Non Warrantable Condos, 50% DTI, Condotel, Clean Slate 620-score (1-mortgage late) on the bank statement program, Gifts allowed on investment properties, 90% LTV bank statement program no mi, Conventional first time homebuyers can buy an investment property if they have a current housing payment, DSCR as low as .75, Assets – divide personal assets by 60-months
Comp Level LP: 2.75%
Max Lender Paid $: No limit

Account Rep:Howie Sloane
Contact #: 718-207-1652
Email: [email protected]
Depart Searches Pur / Refi: No
Switch LP – BP: Yes
MAIN #:
Link: www.archomellc.com

Approved Attorney List

All licensed attorneys can close loans for us. When loan is scheduled for closing, we require their License and wiring instructions.

Approved CEMA Attorney List

Our current CEMA Attorneys are:
Abrams and Garfinkel
David Sloan

Setup Guide

Setup Guide – Lots of info here

Forms

Alt Income 1 Year Full Doc, 1099, Bank Statement Product Matrix
DSCR Product Matrix

Debt Service Coverage Ratio for Alan Loan
Non QM Rate Sheet
DSCR Matrix

Access Agency Plus Product Matrix
Axos Bank (was BOFI)

Axos Bank

Products: Foreign National, Investment Coops, Jumbo, Non Warrantable Condos, Cross Collateral
Comp Level LP: 1LP-2BP
Max Lender Paid $: No limit
Account Rep: Kristin Binkley
Contact #: (772) 208-7631
Email: [email protected]
Depart Searches Pur / Refi: YES
Switch LP – BP: No
MAIN #: 888-883-9672
Link: https://correspondent.bankofinternet.com/index

Matrix

Expanded Program – Product Matrices

Marketing Flyer
Rate Sheet
TPO Marketing

Third Party Lending Overview – PowerPoint
Asset Depletion Calculation Grid
SFR Wholesale Rate Sheet
Bac Florida
BAC Florida

Products:
- Foreign National Programs
- Asset Depletion Program for High-Net-Worth Borrowers
- Jumbo
- Our loans do not require Foreign Tax Returns, only CPA Letter
- Corporate Title OK, We lend in New York, Florida, and Texas
- Florida LTV’s can be as high as 75% up to 3 million for a Single-Family Residence
- Florida Jumbos US Citizens can go as high as 75% for a SFR and 70% for a Condo
Account Rep: Baine Leon
Contact #: 305-546-3454
Main #: 305-789-7098
Email: [email protected]
Link: Wholesale.bacflorida.com

FORMS

Commercial Real Estate Lending Program

Highlights
Required Docs for Foreign National Borrower
Rate Sheet FL NY
One Year CMT ARM MASTER Program Guide
Rate Sheet Wholesale April 2022
Benworth

Benworth

Products: Construction Loans, Hard Money
Contact #: (305) 676 9632
Email: [email protected]

FORMS
Builders Capital

Builders Capital

Products: Ground Up Construction
Account Rep: Ashley Hug
Contact #: 206.593.5291
Email: [email protected]
Newrez previously known as Caliber

Newrez previously known as Caliber

Products: Jumbo, Bank Statement Program, DSCR, Coop, Non-warrantable Condos, Jumbo 80% LTV 720 score upto $1.5MM, Non Occupant co-borrower for Coops-LP 85 LTV, Manufactured Homes
Comp Level LP: 2.75%
Max Lender Paid $: 25,000
Account Rep: Diane Schreiber
Contact #: 631-491-6991
Email: [email protected]
Depart Searches Pur / Refi: No / Yes CO
Switch LP – BP: Yes
MAIN #: 888-426-7026
Link: https://h2o.caliberdirect.com/Login.aspx?ReturnUrl=%2f

Matrix

Empire Premier Matrix
Empire Elite Matrix
Portfolio Underwriting Guidelines
Investment Portfolio
Non-Warrantable Condo
Portfolio Manual Underwriting Guidelines
Empire Premier
Empire Elite
Investment Portfolio Matrix
SmartSelf Matrix
SmartVest Matrix
SmartEdge Matrix
Glacier Matrix

Mortgage Clause

Hoi / Title / CPL
HOI:
Caliber Home Loans, Inc., ISAOA, ATIMA, P.O. BOX 7731, Springfield, OH 45501-7731
Title:
Caliber Home Loans, Inc., ISAOA, 1199 South Beltline Road, Suite 110 Coppell, TX 75019
E&O Or CPL:
Caliber Home Loans, Inc., ISAOA, 1199 South Beltline Road, Suite 110 Coppell, TX 75019

Forms

Affiliate Fee Acknowledgement
Anti-steering form update
Appraisal Waiver
Conventional Submission Checklist
Domestic Partnership/Civil Union Addendum
Homeownership Counseling Disclosure PDF
Pat Act Disclosure Form
Patriot Act Cust ID Form
SSA Form with Address
SmartEdge For self employed borrowers
SmartVest for Investment Properties
SmartSelf for self employed borrowers
SmartSeries Addendum
Sequoia Jumbo
Yellowstone AUS Jumbo
Yosemite Jumbo
Jumbo Comparison
Caliber condotels
Champions Funding

Champions Funding

Products:
Account Rep: Justin Guglielmino
Contact #: 602.848.4826
Email: [email protected]

Account Rep: Kori Morin
Contact #: 602.848.2895
Mobile #: 480.284.9386
Email: [email protected]

FORMS

Broker Essentials
Products-Overview
Change Wholesale

Change Wholesale

Products: Owner occupied, No employment listed, No income listed, Loan amounts up to $3MM, 80% of Purchase, 70% Cash out, 1-4 Units Owner Occupied & SECOND HOME, Gift funds allowed, 1 trade for 24 months or 2 for 12 months, No prepay
Account Rep: Michal Czartoryski
Contact #: (949) 379-8182
Email: [email protected]
Main#: (657) 220-7663

FORMS

Broker Guide for the Portal
Community-Mortgage-Guidelines
CMG Financial

CMG Financial

Products: DACA, First Time Investor, Jumbo, Non-warrantable Condos, Non-warrantable Condos Jumbo/ CEMA Pur
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Lisa Toohig
Contact #: 973-886-0925
Email: [email protected]
Depart Searches Pur / Refi: No / No
Switch LP – BP:Yes
MAIN #: 888-264-4663

Approved CEMA Attorney List
Emigrant Mortgage

Emigrant Mortgage

Products: CashFlow, Coop, Investment Coops, No Credit Score, Apartment Buildings, Cross Collateral, Jumbo, Mixed Use, Multi Family, SBA, Foreign National, Small Office Complexes, Commercial Condos, Commercial Co-ops, Underlying Co-op Loans – Under 5 units OK!, Retail Buildings, Business Purpose Investment Property, Super Jumbo Loans, Multi-State Cross Collateralized Loans Appraisal Killer
Account Rep: Larisa Kessel
Contact #: 917-655-7685
Email:[email protected]
Main #: 877-563-7115
Link: https://www.emigrantmortgage.com

Mortgage Clause

HOI / Title /CPL
HOI: EMIGRANT MORTGAGE CO., INC. ITS SUCCESSORS AND/OR ASSIGNS 7 WESTCHESTER PLAZA ELMSFORD, NY 10523
Title: SAME

Bank Attorney

Approved Bank Attorney List for Emigrant

Agency Coop Checklist

Agency Coop Checklist

Forms

EFC – SEVENTH Release Underlying Coop Application
Commercial Coop Questionnaire
EFC – Fair Lending Policy

Geographic Lending Areas

Commercial Loan Setup Form

Residential and Commercial Summary Flyer
BrokerDirect Foreign National Flyer
Cash Flow Program Flyer

Loan Submission
Standard Application
Fair Lending Policy
4506T
Equity Prime Mortgage

Equity Prime Mortgage

Products: Conventional, FHA, High Balance, NON QM, FHA 500 Fico, USDA, VA, HomePossible, HomeReady
Account Rep: Nick Johnston
Contact #: 845-551-0355
Email: [email protected]
Link: www.equityprime.com, https://epmbrokers.com/

Matrix

Non QM Product Matrix
FHA 203k Guidelines

Forms

Loan Products
BPO Agreement
EPM Submission Form
Equity Closing Fee Sheet
LPC Adjustment Form
Excelerate Capital

Excelerate Capital

Products: DSCR, 85% LTV DSCR
Account Rep: Paul Bullard
Contact #: (949) 230-0000
Email: [email protected]

Forms

General presentation
Federal Farm Credit Banks Funding Corporation

Federal Farm Credit Banks Funding Corporation

Products: Farm Loans
Account Rep: Chloe Kinnison
Contact #: [email protected]
Email: [email protected]
Link: farmcredit.com

Notes: Speak to Steve about this farm lender

FORMS
First Central Savings Bank

First Central Savings Bank

Products: Stated Income Owner Occupied, NON QM, Helocs for investment properties, Mixed Use
Account Rep: ROBERT MARRALI
Contact #: 716-402-1307
Cell: 516-476-7505
Email: [email protected]

FORMS

Mixed Use Quick Facts
RATE MATRIX/ESHP
RATE MATRIX/ESOP
SPECIALITY HOME LOAN PROGRAM (SHP) GUIDELINES
SPECIALITY OWNER OCCUPIED PROGRAM (SOP) GUIDELINES
HELOC
RATE FEES
FirstFunding

FirstFunding

Products: Warehouse
Account Rep: Trenton Fudge
Contact #: 858-997-9152
Email: [email protected]
Link: https://firstfundingusa.com/

FORMS

Warehouse Funding Facility Application
FlexClose FirstFunding Advantages
Introducing FlexClose Funding
Getting Started as a Non-Delegated Correspondent
First Guaranty Mortgage Corporation

First Guaranty Mortgage Corporation

Products: Conventional, FHA, Non-QM, 2nd liens
Comp Level LP: 2.75
Account Rep: Nick Glasse
Contact #: 972-905-1218
Email: [email protected]
FlagStar

FlagStar

Products: HELOC – For NY ONLY, Stand Alone Home Equity, Combo/PiggyBack, Coop, DACA, First Time Investor, Jumbo, Lender Pre-Approvals, Manual, TBD, FHA Overlays, Jumbo Coop, Construction Loans, Doctor Loans, Bank Statement for Coops
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Doreen Martinsen
Contact #: 516-297-3394
Email:[email protected]
Depart Searches Pur / Refi: No / No
Switch LP – BP: Yes
MAIN #: 866-945-9872
Link: https://wholesale.flagstar.com/Lending/public/home.jsp

Mortgagee Clause

HOI / Title /CPL
HOI: Flagstar Bank Its Successor and/or assigns P.O. Box 52198 Phoenix, AZ 85072-2198

Approved Coop Bank Attorney

Approved Coop Bank Attorney List
Process of Approving Bank Attorney

Condo Approval Process

HUD Single Unit Condo Approval
Condo Questionnaire

Forms

Home Equity 2023
Advantage 2023

Advantage NON QM
Conventional Submission Checklist
Cema Procedures
Cema Full Procedures for outside lender
Float Down Policy
Home Equity Line of Credit
DIY Disclosures
Procession a Flagstar Loan
Standalone HELOC Step by Step Guide NEW – Sept 2023

Construction Loan Forms

Construction program submission process
Construction and Renovation Lending
Construction Period Acknowledgement
Contractor’s Questionnaire
Form A
Contractor’s Questionnaire – Form A Renewal Review
HomeStyle® Renovation Mortgage Maximum Mortgage Worksheet
MEMORANDUM OF UNDERSTANDING
Project Review Checklist
W9
Form k2 – NY_Statutory

Scenario Help Desk Emails

[email protected] – FHA
[email protected] – Conventional
Seller ID: 58798

Matrix

FHA Single Unit Condo Approval
FHA Matrix
FHA Crafting Solutions
Jumbo Advantage Update
Jumbo Advantage 2019
HomeReady
HomeReady HomeStyle
Doctor Loan Program
Jumbo Advantage Memo
Depth of Mortgage Products
First National Bank Arenzville: FNBA

First National Bank Arenzville: FNBA

Products: Farm Loans
Link: https://fnbarenzville.com/
Foundation Mortgage

Foundation Mortgage

Products: Condo, Non Warrantable Condos, Rural Properties, First Home Buyer, 24 Month Bank Statement, 1099 Only, 12 Month Bank Statement, Asset Depletion
Account Rep: Ann M DiCola
Contact #: 609-529-9805
Email: [email protected]
Link: www.foundationMortgage.com

FORMS

Program Summary
Foundation Minimum Submission Documents
Register a Loan
Select Product and Pricing
TPO User Creation Guide
FMC 1 – Credit Matrices
FMC 2 – Credit Matrices
FMC 4 – Credit Matrices
FMC 10 – Credit Matrices
FMC 11 – Credit Matrices
FMC 12 – Credit Matrices
FMC 14 – Program Matrices
FMC Ratesheet
Freedom Mortgage

Freedom Mortgage

Products: Coop, FHA, Jumbo, Jumbo Coop, FHA 530, Jumbo 90% LTV 740 $1.5MM, DU
Comp Level LP: 2.75%
Max Lender Paid $: 19,999
Account Rep: David Eurie
Contact #: 914-879-5766
Email: [email protected]
Depart Searches Pur / Refi:Yes
Switch LP – BP:Yes
MAIN #: 855-757-8827

NY Attorney List

NY Attorney List
FSB Mortgage Formerly Known as e2Lending

FSB Mortgage

Products: Conventional, Fannie Mae, Freddie, FHA
Account Rep: Gregory Ciprut
Contact #: (917) 225-1467
Email: [email protected]
MAIN #: 866-383-9755
Link: www.fsbmortgage.com/tpo

FORMS:

Mortgage Clause and Subordination Address and Fees
Broker Process Flow for FSB Mortgage
Griffin Church Loans

Griffin Church Loans

Products: Church and Synagogue loans
Account Rep:
Contact #: (800) 710-6762
Email: [email protected]
MAIN #: 540-548-1117
Link: https://www.church-loan.com/

FORMS

Griffin Capital Quick App
Church Debt Schedule
Income Expense
Balance Sheet
Hirshmark Capital

Hirshmark Capital

Products: Bridge Loans

Account Rep: Vincent Sarnelli
Contact #: (516) 361-8843
Email: [email protected]

Account Rep: Igor Vaysberg
Contact #: 212.321.0476
Email: [email protected]

FORMS
HomeBridge

HomeBridge

Products: 203K, Bank Statement Program, Combo/PiggyBack, DACA, Jumbo, DU-LP-FHA 580, Jumbo 90% LTV, Piti Wash, Non Warrantable Condos
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Jennifer Keaveny
Contact #: 516-521-9431
Email: [email protected]
Depart Searches Pur / Refi: Yes / Yes NO ECB
Switch LP – BP:Yes
MAIN #: 877-200-8700
Link: https://www.homebridgewholesale.com/

FORMS

Simple Access Overview
Simple Access FULL Product Matrix
Simple Access Non-QM Program
Simple Access – Submission Form
Non Warrantable Condos

Approved NY Attorney Listing

Approved NY Attorney Listing- PDF
Approved NY Attorney Listing – EXCEL

CEMA

Please note, that if the loan is closing with a CEMA to offset the existing mortgage tax, you must select an attorney that is cema approved.

New York Title and Closing Requirements

New York Title and Closing Requirements
Hometown Equity Mortgage

Hometown Equity Mortgage

Products: Conventional, Jumbo, Heloc
Account Rep: Coleman Hollis
Contact #: (949) 681-8284
Email: [email protected]

Account Rep: Jeff Johnson
Contact #: 404-532-8899
Email: [email protected]

FORMS

G-Pa Matrix
Huntington Bank

Huntington Bank

Products: SBA
Account Rep: Thomas F Hurdman
Contact #: 904.400.3350
Email: [email protected]
MAIN #: 904.821.7158

FORMS

Huntington Bank Personal Financial Statement
8.50% Fixed rate for 5 years
Huntington Bank Debt Schedule Form

Prescreen Checklist
Interfirst

Interfirst

Products: Conventional, FHA, Jumbo, VA
Account Rep: Suzanne deLatour
Contact #: 847-999-3187
Email:[email protected]
Main #: 847-858-9218

FORMS

W9
Interstate Home Loan Center

Interstate Home Loan Center

Products: Conventional

Account Rep: STEVEN HO
Contact #: 929 450 6551
Email: [email protected]
Link: https://interstatehomeloans.com/

Account Rep: GIANNA STRINGER
Contact #: 929 777 3930
Email: [email protected]

Additional help:
[email protected]

FORMS

Business purpose state licensing

W9
Kind Lending

Kind Lending

Products: Conventional, DSCR, FHA, HELOC, Jumbo, NON QM, VA

Account Rep: Joshua Haynes
Contact #: 516-501-2626
Email: [email protected]
Link: kindtpo.com kwikie.kindlending.com
Land Home

Land Home

Products: 1% Down Payment, Bank Statement Program, Condo, DSCR, Reverse Mortgage, Jumbo Reverse Mortgages, Conventional, FHA, HECM, Lease to Own

Comp Level LP: 2.875%
Max Lender Paid $: 35,000
Account Rep: Ray Munnings
cell #: (303) 304-2576
Email: [email protected]
Depart Searches Pur / Refi: YES
Switch LP – BP: No
MAIN #: 800-398-0865
Link: https://secure.approvedfast.com/landhome/Wholesale_pe328/index

Mortgage Clause

HOI / CPL / Title
Lender Select Mortgage Group

Lender Select Mortgage Group

Products: Conventional, FHA, High Balance, Down Payment Assistance Program
Account Rep: Joshua Haynes
Contact #: 804-773-3037
Email: [email protected]
Link: www.lenderselectmortgage.com

FORMS
LendingPros

LendingPros

Products: AirBnB, Short Term Income, Vacation rental by owner
Account Rep: Vincenza Airo’
Contact #: 908-370-9704
Email: [email protected]
Link: www.golendingpros.com

FORMS

NonQM Loan Programs
NonQM Loan Programs – page 2
LendingPros NON-QM Matrix
Quickstart Broker Application Package
DPA Pro
DPA Pro Plus

EXPENSE FACTOR INFO
DSCR
ITIN
Credit Grade Upgrade Policy

RATES

NONQM LendingPros Ratesheet
LendSure Mortgage

LendSure Mortgage

Products: Super Prime, Investment Property, Foreign National, Jumbo Prime, Fix & Flip, Bridge Financing Asset Depletion & Qualifier, Non Warrantable Condos, Property can be held in an LLC, Full package fall outs, 90% LTV with no mortgage insurance on 24 months bank statement program, DSCR for investors up to 80% LTV, no income needed, Condotels up to 75% LTV, Non-Warrantable Condos to 80% LTV, 40 years fixed IO program (First 10 years IO, then it becomes 30 years fixed fully amortized at the same rate)
Account Rep: Sean McGowan
Phone: (401) 409-4789
Email: [email protected]

FORMS

Product Pricing

NonQM Products
Logan Finance

Logan Finance

Products: Bank Statement Program, 1099 Only, Asset Utilization, Mixed Use & Multi unit (5-30 unit), DSCR (1-4 Unit), Non Warrantable Condos, Mixed Use, Foreign National, No Seasoning on Rate & Term & Cash Out, No Cash-in-Hand Limits on Cash Out loans, 100% Gift for DP & Closing Cost Including Investor, 2% Seller Contribution on all Investor Loans, Reserves can come from Cash Out, First Time Investor, First Home Buyer, Mixed Use/5-8 Apartment Buildings
Account Rep: Matthew A. Sangiuolo
Phone: 772-485-0349
Email: [email protected]

FORMS

All Products
Overview

Mixed Use
Full Doc
Foreign National
Bank Statement
Asset Qual
DSCR

Multifamily 9 Units
Stabilized Multifamily Product Matrix
Wholesale Business Purpose Submission Form
WHOLESALE CONSUMER PURPOSE SUBMISSION FORM
Business Purpose Affidavit
Business Purpose Loan Questionnaire
Wholesale Quick Reference

Luxury Mortgage Corp

Luxury Mortgage Corp

Products: Jumbo, Asset Qualifier, DSCR, 12 Month Bank Statement, 24 Month Bank Statement, 1099 Only, Loan amounts up to $3MM, ONE APPRAISAL required for loan amounts up to $2MM, Corporation, Partnership, and LLC vesting for all occupancies, Cash-out use for reserves (max 75% LTV), Cash-out refi up to $2.5 MM (max 75% LTV), EAD cards on an exception basis, Primary wage earner FICO used to qualify, NO title seasoning after purchase to take cash out, One-year tax return option (for self-employed borrowers), Six months reserves for loans up to $1.5MM, DTI to 50%, Gift Funds: no borrower contribution if LTV <80 LTV, No seasoning on credit events, Qualify solely on the cash flow of the subject property, 80% LTV, Close in an LLC, No Multi Unit Price Adj., Qualify on 30 yr, IO payment, max 75% LTV, Use Cash out proceeds for Reserves, No landlord history required, No income, No employment, No tax returns, Up to 80% LTV (Min FICO 680) / 75% LTV C/O refi, No minimum DSCR: to 75% LTV; 700 FICO minimum, Vacant Properties: use 100% of market rents, Up to 15 financed properties allowed, Gift funds permitted with 5% borrower contribution, Use 100% of Airbnb to calculate DSCR (refis only), 1-4 unit properties, 1099s: Use 25% expense ratio, No Tax returns required, DTI up to 50% with 1099 only, Up to 85% LTV (No MI), Bank Statement Reviews: 24 hour turn times, Minimum one-year self-employment required, Personal or business bank statements may be used, FTHB allowed, 680 Fico up to 85% LTV (NO MI), 3mm max loan amount, Recent Credit events allowed, All Occupancy types allowed, Multiple Financed properties allowed, No DTI is developed for this product, Residual income is calculated based on qualifying assets divided over 48 months less monthly obligations
Account Rep: John Agate
Contact #: (716) 578 4002
Email: [email protected]
MAIN #: (516) 307 2697
Link: https://luxurymortgagewholesale.com/

FORMS

Investor Cash Flow-BPL License Requirement by State – Wholesale
Maspeth

Maspeth

Products: DSCR, Investment Property, Multi Family, Investment – No1040’s – close in LLC 3&4 Family Single Asset
Comp Level LP: Broker Fees
Account Rep: William Wong
Contact #: 718-651-7888 x277
Email:[email protected]
Link: https://www.maspethfederal.com/lending/commercial/

Forms

Loan Proposal Requirements Commercial
Single Asset Loan Application
Corporate Mortgage Application with Personal Guarantee
MFS Loan Application Package
Single Asset Entity Mortgage Application Package

PreQual Forms:

REO WorkSheet
Commercial Income Expense Breakdown
Mid-Island

Mid-Island

Products: 203K, Coop, FHA, Lender Pre-Approvals, Mixed Use, DU, LP, TBD, FHA 540
Comp Level LP: 2.75%
Max Lender Paid $:
Account Rep:
Contact #:
Email:
Depart Searches Pur / Refi: YES /Survey
Switch LP – BP: No
MAIN #: 888-814-8191
MLB Residential Lending LLC

MLB Residential Lending LLC

Products: Conventional
Account Rep: Christopher Stanton
Contact #: (908) 410-7020
Email: [email protected]
Main #: (732) 243-0140
Link: https://mlbwholesale.com

FORMS

FHA manual Underwrite
MLB Wholesale Rate Lock Form
FICO 560 at MLB
203k Under Construction Flyer
FALL – JAMIR – Reno Flyer
NO FICO Score Alternate References
Part-time to full-time
RENO WALKTHROUGH
Contact list
Money House On Demand

Money House On Demand

Products: Reverse Mortgage
Account Rep: David Gold
Contact #: 407-399-6120
Email: [email protected]

FORMS

RM brief presentation
Mutual of Omaha Reverse Wholesale

Mutual of Omaha Reverse Wholesale

Products: Reverse Mortgage
Account Rep: James J. Raymond
Contact #: (201) 280-2012
Email: [email protected]

Account Rep: Jessica Marmo
Contact #: (619) 658-9600
Email: [email protected]

FORMS

Wholesale Alert HUD-9991 and HUD 999-2
SUA Process
FA-_Compensating_Factor_Guide
Condo Questionnaire_HOA

Intro to Reverse
Broker Process Flow
June Training Calendar 2023

Contact Sheet

MOOM Rate Sheet Standard
Nations Direct Mortgage

Nations Direct Mortgage

Products: Bank Statement Program, DSCR, Full Doc, 1099 Only, Jumbo Prime, FHA, VA, Conventional, Manufacturing
Account Rep: Susan Angel
Contact #: 949-270-7635
Email: [email protected]
Nationwide Equities

Nationwide Equities

Products: Reverse Mortgage
Account Rep: Mary Cooper
Contact #: (917) 674-7830
Email: [email protected]
MAIN #: : (201) 529-1401 x319
Link: https://nwecorp.com/

FORMS

Coop Quesitonnaire NWE

Nationwide Equities- Reverse Mortgage Wholesale Guide for ReverseVision
Newfi Wholesale Broker

Newfi Wholesale Broker

Products: NON QM, Jumbo, 2nd Mortgages, Full Doc, DSCR (1-4 Unit), DSCR (5-8 Unit), Asset Utilization, ITIN, Condotel, 2-1 Buydowns, Graduated Payment Mortgages, Jumbo Products – Up to 90% No MI, Loan up to 4 Million, 30 year & 40 year amortization, 40 year interest only, 30 year interest only, Heloc, Bank Statement Program, 1099 Only, CPA
Account Rep: Mark Modzelewski
Contact #: (954) 471-0096
Email: [email protected]

Alternative Contact: Alina Derzhay
Contact #: (678) 697-0025
Email: [email protected]

FORMS

Quick Reference Card
Norcom Mortgage /TPO Go

Norcom Mortgage /TPO Go

Products: Construction Loans, Renovation
Account Rep: Barbara Guarino
Contact #: 631.559.4486
Email: [email protected]

FORMS

RENO COMPARISON
Reno.FNMA Homestyle Factsheet
Reno.sample-contractor-bid
Renovation Refinance Document
Renovation Loans Explained – Sample TriFold Brochure
2023 DIY Renovation Realtor Presentation

Norcom Product Book
Mortgagee clauses
Homeowners and Flood Insurance Policy (12.23.2020)
Norcom Lock Policy 2021
Orion Lending

Orion Lending

Products: Conforming,High-balance and FHA, Chenoa for FHA 3.5%, 5% Forgivable Down Payment Assistance Program down to 600, DACA, EAD – Employment Authorization Document, Jumbo Loans 89.99% Cash Out, VA down to 580, USDA 620 Credit Score, Manufactured Homes, DSCR, First Time Buyer Investment Property, Mixed Use FHA, Short Term Rentals, AirBnB, Non Warrantable Condos, DSCR ratio below 1.00, Foreign National, 5-8 Unit Properties, Interest Only, Delayed Financing, Down Payment Assistance Program

Account Rep: Murielle Daniel
Contact #: (718) 755-8867
Email: [email protected]
Main #: (844) 306-7466

FORMS

DPA Products at a Glance
Chenoa FHA DPA Product Matrix
Boost Product Matrix inc NY
Park Place Finance

Park Place Finance

Products: Fix & Flip, Fix and Flip Closings in 5 days, 30 Year Fixed Rental Property up to 85%, BRIDGE LOANS 80% PURCHASE + 100% OF REHAB, Hard Money
Account Rep: AJ Johnson
Contact #: 713-936-6505
Email: [email protected]
PennyMac Broker Direct

PennyMac Broker Direct

Products: Conventional, FHA
Account Rep: Donald Beresheim
Contact #: 516-652-0885
Email:[email protected]
Link: www.PennyMacBrokerDirect.com
Plaza Home Mortgage

Plaza Home Mortgage

Products: Close in an LLC, Coop, Reverse Mortgage, HDFC, 12 Month Bank Statement, 24 Month Bank Statement, Asset Depletion, Interest Only, Write VOE, P&L 24 Month, P&L 12 Month, 1099 – 1 Year, 1099 – 2 Year, Interest Only and fully amortized products, DTI to 55% (24 Month Standard Doc), LTV to 90% and no MI, Bank Statement Income, HELOC
Account Rep: Andrew Feller
Contact #: (516) 810-0804
Email: [email protected]
Link: PlazaHomeMortgage.com

FORMS

Condo/Coop Addendum
Approved FNMA Condos

Connecting the pieces on Reverse Lending
Reverse Mortgage at Your Fingertips
New York CEMA process guidelines
Power Express Mortgage Bankers

Power Express Mortgage Bankers

Products: DSCR, No Income Check, 80% LTV DSCR, 1YR out of B/K , F/C, and S/S, 55% DTI ON NON-QM FULL DOC, Minimum one-year self-employment required, DSCR with a 620 Fico, Low ratio DSCR(.75-.99 DSCR), No Ratio DSCR (.75 or less), DSCR up to 10 Units, Mixed Use, East Coast Jumbo Arms, ITIN, Foreign National, Condotel, Bank Statement 600 Fico
Account Rep: Will Clark
Contact #: 949 231 7294
Email: [email protected]

FORMS
PRMG

PRMG

Products: FHA, Fannie Mae and Freddie Mac, NON QM, 12 Month Bank Statement, 24 Month Bank Statement, Alternative Documentation (1 year income) allowed, Asset Utilization, 40 year interest only, ITIN, Non Warrantable Condos, DTI to 50%, Fico score as low as 660, Reduced derogatory credit seasoning, Texas 50(a)(6), DSCR, Vesting in business name allowed, Collateral based business purpose loan with no income and employment verification, DSCR as low as .75, Loan amounts as low as to $75K and up to $2M, Interest Only, Foreign National, 36 month derogatory credit seasoning, Down Payment Assistance Program, Second Mortgages
Comp Level LP: 2.75%
Account Rep: Gus Crivelli
Contact #: 973-223-0302
Email: [email protected]

Mortgage Clause

HOI / Title /CPL
HOI: Paramount Residential Mortgage Group, Inc.Its Successors and/or Assigns 1265 Corona Pointe Court, Suite 301Corona, CA 92879
Provident Funding, a division of Colorado Federal Savings Bank

Provident Funding, a division of Colorado Federal Savings Bank

Products: Commercial, Construction Loans
Account Rep: Mark Steen
Office #: 855-404-3500 ext. 7184
Email: [email protected]

Forms

Commercial Loan Programs
Owner-Occupied Construction Loan Program

Provident Funding Important Information

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Ready Capital

Ready Capital

Products: SBA, Assisted Care Facilities, Gas Stations, Industrial, Hospitality, Child Care Facilities, Practice Acquisitions, Start-Up Businesses, Medical Offices, Convenience Stores, Distribution, Manufacturing, Franchises, Special Use Businesses
Account Rep: Patrick J. McEvoy, Jr.
Contact #: 407-222-3658
Email: [email protected]
Link: readycapital.com
REMN
REMN

Products: 203K, Combo/PiggyBack, Conventional, FHA, HomeStyle, Lender Pre-Approvals, 12 Month Bank Statement, Investor Cash Flow, Jumbo, 24 Month Bank Statement, 1099 Only, Asset Qualifier, Full Doc, FHA 203k
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Art Fasig
Contact #: 860-488-5348
Email: [email protected]

Additional contact: Alyssa Lewandowski, [email protected] (helps submit loans, works on conditions and gets your load CTC).

Depart Searches Pur / Refi:Yes
Switch LP – BP:Yes
MAIN #: 866-933-6342
Link: https://www.remnwholesale.com/
https://hub.remnwholesale.com/portal/#/pipeline

Matrix

Simple Access Matrix
Homestyle-Renovation Program
NON QM FULL DOC
ICF-No Income Purchases for Investment Property–USE only RENT

Mortgage Clause

HomeOwners Insurance (Including Hazard, Flood, Wind, Hall, etc.)
HomeBridge Financial Services, Inc. D/B/A Real Estate Mortgage Network
ISAOA/ATIMA
P.O. Box 202028
Florence, SC 29502-2028

Forms

Mini Trid Submission Form
Pre Disc Broker Cert Final

Steps for ordering LE

Our process is below. If you’d like to order the LE, it’s super simple, please click the link below in step 1, and upload the two docs I’ve attached (fully completed, otherwise they will send it back), 1003 signed and dated by LO, and your 3.2 file. Once submitted, our LE department will begin working on the LE. Step 2 will be to run DU, which I can walk you through.
Step 1- LE Request
To submit the LE request, please click on this link:

https://remnle.zendesk.com/hc/en-us/requests/new?ticket_form_id=230467
You will need the following documents to upload with your request:
- - Mini Trid Submission Form
  - Pre Disc Broker Cert Final
  - 1003 signed by LO
  - 3.2 File
Step 2 – Running DU via the REMN Portal
- Log on and go to Tools- AUS Pending Pipeline.
- Click on Submit New Loan and upload the 3.2 and run DU through our portal following the instructions attached.
- If DU is not applicable for the product you are submitting, please still upload 3.2 and select applicable option on first pop up screen on the drop down menu ex: LP, IRRRL, USDA or FHA streamline)
Step 3 – Uploading your package to BlitzDocs
You can access Blitzdocs via the portal by going to TOOLS- BLITZDOCS or you can use this direct link : www.blitzdocs.net/
Log into BlitzDocs, and search for your loan using the loan number our LE department provided you or the last name of the borrower and open up the folder.
At the top of the page click on Documents- Upload and browse/upload your initial submission package/s.
Package must include at a minimum:
- Credit Report
- Contract of Sale ( If a purchase)
- Income docs
- You can upload any other documentation you have gathered thus far
Sierra Pacific Mortgage

Sierra Pacific Mortgage

Products: Conventional
Spring EQ

Spring EQ

Products: Home Equity lender, All States except New York
Account Rep: Lori Monahan
Contact #: 631-835-1095
Email: [email protected]
Link: www.wholesale.springeq.com
STG Mortgage

STG Mortgage

Products: Conventional, Second Mortgages, ITIN, ITIN Bank Statement
Account Rep: Michael Antrim
Contact #: (215) 266-7225
Email: [email protected]

FORMS
Stone Bank

Stone Bank

Products: SBA, Assisted Care Facilities, Bed & Breakfast, Car Wash, Child Care Facilities, Convenience Stores, Hotel, Manufacturing, Medical Offices, Restaurants, Start-Up Businesses
Account Rep: Vinny Muratore
Contact #: 954-298-6989
Email: [email protected]

FORMS

Stone Bank
Sun West Mortgage Broker

Sun West Mortgage Broker

Products: 203K, Bank Statement Program, FHA, Jumbo, Lender Pre-Approvals, Non Warrantable Condos, VA, Conventional, USDA, VA Jumbo, FHA 203(k) Rehab: Standard & Jumbo, FHA Loan Program for Disaster Victims, FHA Streamline: Standard & Jumbo, USDA Streamline Refinance, HUD 184, HECM – Reverse Mortgages, Conventional High Balance Conforming, Non-Conforming Jumbo Loans, Fixed Rate with Lender Paid Mortgage Insurance, HomeStyle, Renovation, Fannie Mae RefiNow Loan, HomeReady, HomePossible, Freddie Mac’s HomeOne Mortgage, 7-10 Financed Properties, NON QM, Down Payment Assistance Program, Fannie Mae HomeStyle Energy Mortgage, Freddie Mac Refi Possible Mortgage
Account Rep: Priyal Khede
Contact #: (562) 269-3311
Main #: (800) 453-7884 Ext. 89053
Email: [email protected]

FORMS

Products
NON -QM
Reverse Mortgage
TRU Approval
Chenoa DPA on FHA Loan 100%
NON QM EZ A+ Program
NON QM DSC Program
NON QM EX Flex+
Symmetry Lending

Symmetry Lending

Products: Heloc, Home Equity
Account Rep: Jeffrey A. Thomas
Contact #: 954-765-9756
Email: [email protected]

FORMS

Symmetry products
Taylor Made Lending LLC

Taylor Made Lending LLC

Products: Residential, Commercial, Condo, Rehab, Foreign Nationals, Land Loans
Account Rep: Jarrod
Contact #: 954-614-5109
Email: [email protected]
Link: https://taylormadelendingllc.com/

FORMS

Hard Equity
Temple View

Temple View

Products: Bridge Loans, DSCR, Fix & Flip, Ground Up Construction
Account Rep: David Zoldak
Contact #: 703-946-4217
Main #: (844) 900-3828
Email: [email protected]

Hard Equity
The Loan Store

The Loan Store

Products: Conventional, Heloc, Jumbo

Account Rep: John Lally
Contact #: (516) 860-6363
Email: [email protected]

Link: www.theloanstore.com
TLA Bancorp

TLA Bancorp

Products: No Doc, SIVA, SIVA Heloc, SIVA Heloc Investment
Account Rep: SERGE MITROFANOV
Contact #: 805.819.9540
Email: [email protected]
Main #: 844-667-2846

FORMS

Siva Counties List
Siva Elite
Siva Simple
Tower Fund Capital

Tower Fund Capital

Products: Cross Collateral, Hard Money
Account Rep: n/a
Contact #: 646.564.3499
Email: [email protected]
Link: https://www.towerfundcapital.com/

FORMS
United Farm Mortgage

United Farm Mortgage

Products: Land Loans, Farm loans
Account Rep: Norm Peterson
Contact #: 913.549.3776
Email: [email protected]
Link: www.UnitedFarmMortgage.com
United Mortgage Corp

United Mortgage Corp

Products: 203K, FHA, Mixed Use, DU LP/ 203(b) (k)
Comp Level LP: 2.625%
Max Lender Paid $: 25,000
Account Rep: Andrew Spiro
Contact #: 631-719-1700
Email:[email protected]
Depart Searches Pur / Refi: No
Switch LP – BP: Yes
MAIN #: 800-462-4862
Link: http://unitedmortgage.com/
UWM

UWM

Products: DU/ LP, FHA, First Time Investor, HomePossible, HomeReady, Jumbo, VA, Interest only option to 85% LTV, Heloc
Comp Level LP: 2.75%
Max Lender Paid $: 30,000
Account Rep: Marcin Sorys X3215
Contact #: 800-981-8898
Email:[email protected]
Depart Searches Pur / Refi: No/ No
Switch LP – BP: Yes
MAIN #: 800-981-8898
Link: https://www.uwm.com/

UWM Cema Attorney

UWM Cema Attorney

CEMA approved attorneys

Approved Condo List

Approved Condo List

UWM Approved Condo List Video

FORMS

Condo/Pud Project Questionnaire

One-Time Close Contractor Review Requirements
Weltham Capital

Weltham Capital

Products: Fix & Flip Loans, Long Term Rental Loans, Ground Up Construction, Commercial Real Estate Bridge Loans
Account Rep: Sammy Abdalla
Contact #: (917) 580-0477
Email: [email protected]
Link: www.welthamcapital.com
Weslend

Weslend

Products: Coop, DSCR, FHA, First Time Investor, Foreign National, HDFC, Jumbo, Investor Program, Non-Owner, No Doc, 85% to $1,000,000 with 660+ FICO, Interest only option to 85% LTV, 40-year fixed with interest only option to 85%, 85% to $1,500,000, 80% to $3,000,000, 75% to $4,000,000, Interest Only, Write VOE, Asset Depletion to $4,000,000, NON QM, Bank Statement Program
Non-Owner | No Doc
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Keith Stubbs
Contact #: (805) 300-2171
Email: [email protected]
Depart Searches Pur / Refi: Yes / No
Switch LP – BP: Yes
MAIN #: 844-375-3669
Link: https://www.weslendwholesale.com/

Forms

Quick Submission Guide
Wholesale Submission Form

Non-QM

ACC Mortgage
ACC Mortgage

Products: Bank Statement Program, Condo, Foreign National, Stated Income Investment Property, Condotels, P&L only, 12 Month Bank Statement, 24 Month Bank Statement, No Income Verified Asset program, Foreclosures, Shortsale, 1 day seasoning on BK, No minimum DSCR
Eligible Loan Programs
- Expanded Prime- 12 or 24 month bank statement program
- Prime- 12 or 24 month bank statement program
- NIVA- No Income Verified Asset program
- 2nd Chance- 1 day seasoning on BK, Foreclosure, or Shortsale program
Account Rep: Kym Schuman
Contact #: 240.753.0946
Email: [email protected]

Matrix

Non Qm
Expanded Prime Matrix
P&L Only, No Bank Statements Required

Forms

PreQual Forms:
PreQual Form
REO WorkSheet
Commercial Income Expense Breakdown
Acra Lending

Acra Lending

Products: New York, Florida and Pennsylvania, Non-Prime, Alt-Doc, DSCR, Condotel, AirBnB, Asset Depletion, Bank Statement Program, Investment Property, 3 Month Bank Statement Program, Borrowers in Forbearance, Jumbo to 660, LLC, Corp. or Entity, Short sale/BK/foreclosure, Mortgage Payment Late in the Last 12 Months, Foreign National, Interest Only, ITIN, Rural Properties, Condotels, Borrowers with more than 6 properties, Interest only option to 85% LTV, Investor Cash Flow, 12 Month Bank Statement, Jumbo Non-QM, Jumbo Prime, Fix & Flip / Multifamily, NO TITLE OR APPRAISAL REQUIRED FOR SUBMISSION, Super Jumbo Loans, Multi Unit Properties, 5+ Units, Subject Property Can Be Cash Flow Negative – DSCR Can Qualify with I/O Payment – First Time Homebuyers OK For DSCR! No primary home or rental history needed for 1st time investors, Immediate cash out with no seasoning for purchased property, Manufactured Homes, Assisted Care Facilities, Adult Care Facilities, Student Housing
Account Rep: Stephen Salanitri
Contact #: (727) 656-2241
Email: [email protected]

90% LTV PURCHASE
NON-OWNER PURCHASE TO 80% LTV REFINANCE TO 75% LTV
Up to 20 properties

FORMS

Program Highlights

All Programs
Condotel Loans
Non-prime Rate Sheet
A & D Mortgage

A & D Mortgage

Products: Bank Statement Program, Foreign National, No Ratio, Asset Depletion, Condotels, Interest Only, 12 Month Bank Statement, 24 Month Bank Statement, DSCR, CPA, Lite Doc, Non-permanent resident, P&L only, Write VOE, 2 Month Bank Statement
Account Exec: Richard Dwyer
Contact #: 908-531-3891
Email:[email protected]
Link: https://admortgage.com/

Matrix

Primary Residence
Investment Property
Why Work with A&D Mortgage
Niches
Less Cash Up Front
A&D Mortgage Super Jumbo

Forms

Useful Tools and Resources
Non QM Submission Checklist
Our Niches
Why Work with us

PreQual Forms

REO WorkSheet
Commercial Income Expense Breakdown
Advancial Mortgage

Advancial Mortgage

Products: Coops, Jumbo to $3,500,000, Asset Depletion to 80% LTV, Foreign National -no US credit score required, Non-Warrantable Condos, Condotel Financing, Investment Properties, Hobby Farms – Farm Loans, Non-permanent resident
Account Rep: Alexander King
Contact #: 972.201.1622
Email: [email protected]

FORMS

Condo Questionnaire
Co-op Questionnaire
Asset Depletion Income Calculator
Wholesale Program Guidelines
Gift Letter
Broker Rate Sheet
Loan Submission Checklist
Loan Submission Summary
Niche Summary
Wholesale Mortgage Portfolio Rate Sheet
American Community Bank

American Community Bank

Products: NON QM, No Ratio 65% LTV, $2m max loan amount, loan amount > $2m…exception basis, No income / no employment / one month bank statement (show closing costs + reserves), Closing in individual name / entity is OK, 6 months seasoning, < 6 months – seasoned investor is OK, property must be leased, First Time Home Buyers is acceptable with fico/assets/dscr exception, Can use proceeds as reserves for refinance cashout, 1-4 Family, Condo, Coop, DSCR as low as .75, LTV’s up to max 75%
Account Rep: Rohit Suri
Contact #: 917.364.7402
Email: [email protected]

FORMS
American Heritage Lending

American Heritage Lending

Products: Non-QM
Account Rep: Jennifer Lopez
Contact #: 786-314-4368
Email: [email protected]
Link: www.ahlend.com

FORMS

Invest Star DSCR Matrix and Rate Sheet
All Star & Rising Star Matrix & Rate Sheet
Loan Submission Form
Ameritrust Mortgage Corporation

Ameritrust Mortgage Corporation

Products: Mixed Use, DSCR (1-4 Unit), DSCR (5-8 Unit), Foreign National, Asset Qualifier, ITIN
Account Rep: John Rios
Contact #: 845-863-4416
Email: [email protected]

FORMS

Diamond Series DSCR 1 – 4
Diamond Series 5 to 8 or 2 to 8 Mixed
Diamond Series Foreign National
Diamond Series Full Alt Doc Asset Qualifier
Gold Series ITIN and Land Full and P&L Doc_

Platinum Second Lien Matrix
Platinum DSCR 5-10 or 2-8 Matrix
Ruby Series Foreign National
Angel Oak

Angel Oak

Products: Jumbo, Mixed Use, NON QM
Account Rep: Oscar Ungo
Contact #: 305-494-6810
Email:[email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Arc Home Loans

ARC Home Loans

Products: Bank Statement Program, Conventional, DSCR, FHA, First Time Investor, Investment Property, FHA 580, Interest Only, 85 LTV Investment Property, Lender Pre-Approvals, VA, Interest only option to 85% LTV, 24 Month Bank Statement, Investment Property 85 LTV no MI, DCR .75, 80% LTV on Multi-Family Investment Properties, Loans up to $3.5 Million, Non Warrantable Condos, 50% DTI, Condotel, Clean Slate 620-score (1-mortgage late) on the bank statement program, Gifts allowed on investment properties, 90% LTV bank statement program no mi, Conventional first time homebuyers can buy an investment property if they have a current housing payment, DSCR as low as .75, Assets – divide personal assets by 60-months
Comp Level LP: 2.75%
Max Lender Paid $: No limit
Account Rep: Elizabeth Nichols
Contact #: 917-282-6035
Email: [email protected]
Depart Searches Pur / Refi: No
Switch LP – BP: Yes
MAIN #: 215-360-3737
Link: www.archomellc.com

Approved Attorney List

All licensed attorneys can close loans for us. When loan is scheduled for closing, we require their License and wiring instructions.

Approved CEMA Attorney List

Our current CEMA Attorneys are:
Abrams and Garfinkel
David Sloan

Setup Guide

Setup Guide – Lots of info here

Forms

Alt Income 1 Year Full Doc, 1099, Bank Statement Product Matrix
DSCR Product Matrix

Debt Service Coverage Ratio for Alan Loan
Non QM Rate Sheet
DSCR Matrix

Access Agency Plus Product Matrix
Axos Bank (was BOFI)

Axos Bank

Products: Foreign National, Investment Coops, Jumbo, Non Warrantable Condos, Cross Collateral
Comp Level LP: 1LP-2BP
Max Lender Paid $: No limit
Account Rep: Kristin Binkley
Contact #: (772) 208-7631
Email: [email protected]
Depart Searches Pur / Refi: YES
Switch LP – BP: No
MAIN #: 888-883-9672
Link: https://correspondent.bankofinternet.com/index
www.axosbank.com

Matrix

Expanded Program – Product Matrices

Marketing Flyer
Rate Sheet
TPO Marketing

Third Party Lending Overview – PowerPoint
Asset Depletion Calculation Grid
SFR Wholesale Rate Sheet
Bac Florida
Bac Florida

Products:
- Foreign National Programs
- Asset Depletion Program for High-Net-Worth Borrowers
- Jumbo
- Our loans do not require Foreign Tax Returns, only CPA Letter
- Corporate Title OK, We lend in New York, Florida, and Texas
- Florida LTV’s can be as high as 75% up to 3 million for a Single-Family Residence
- Florida Jumbos US Citizens can go as high as 75% for a SFR and 70% for a Condo
Account Rep: Baine Leon
Contact #: 305-546-3454
Main #: 305-789-7098
Email: [email protected]
Link: Wholesale.bacflorida.com

FORMS

Commercial Real Estate Lending Program

Highlights
Required Docs for Foreign National Borrower
Rate Sheet FL NY
One Year CMT ARM MASTER Program Guide

Rate Sheet Wholesale April 2022
Bank of Hope

Bank of Hope

Products: Church Loans, Cross Collateral
Account Rep: Steve Hong
Contact #: (213) 427-6061 Ext 46241
Fax #: (213) 383-2389
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Bethpage Credit

Bethpage Credit

Products: Combo/PiggyBack, Condo, Coop, DSCR, Jumbo, Non-warrantable Condos, 1-4 Family, Combo Loans 1-4, NON QM
Comp Level LP: 1% LP
Account Rep: Urmila Mohammed
Contact #: 516-349-6810
Email:[email protected]
Depart Searches Pur / Refi: Yes/ With CO
MAIN #: 516-526-5425

Matrix

Bethpage Federal Credit Union Guidelines

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Century Capital Partners

Century Capital Partners

Products: Bridge Loans for-Ground up Construction/Foreclosure Bailout 65%LTV/Bankruptcy Workouts
Account Rep: Miryawm Faerman
Contact #: 201-880-7850 ext 107
Email:[email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Citadel Servicing

Citadel Servicing

Products: Florida Only/VOE Only 50DTI/1 Month Bank Statement / O/O & N/O/O Condotels SLOW
Account Rep: Chuck Kopel
Contact #: 561-702-5258
Email:[email protected]
Link: https://www.citadelservicing.com/

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Community Savings

Community Savings

Products: NON QM, 12 Month Bank Statement
Account Rep: Gabby Costanza
Contact #: 980-443-7202
Email: [email protected]

Forms

ITIN Doc Matrix
Community Alt Doc

Borrower Esign Instructions
How to Lock a Loan
How to Register a Loan
How to Send Initial Disclosures
How to Submit a Loan
QuickPricer

Product Highlights – Consumer Alt
Consumer Alt Doc – Matrix

RATES

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Deephaven Mortgage

Deephaven Mortgage

Products: Conventional, Interest Only, Asset Depletion, Bank Statement Program, DSCR, ITIN, Jumbo Prime, FL & PA Only
Account Rep: Justin Hardman
Contact # Mobile: 704-661-2699
Contact # Direct: 704-612-6829
Email: [email protected]
Link: https://deephavenmortgage.com/

Forms

DHM Matrices
BPL State Map_DSCR
BPL Eligibility by State

1 Year 1099
Asset Utilization
Bank Statement
Business Purpose Lending
DSCR
ExpandedPrime
First Time Homebuyer
How to Edit White Label Flyers
Non-Prime

Expanded Prime | Wholesale
Rate Sheet

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Easy Street Capital

Easy Street Capital

Products: EasyFix – Hard Money FixFlip (not in NY state), EasyBuild – Ground Up Construction (not in NY state), EasyRent – DSCR (NY state is fine)

Account Rep: Daniel Busquets
Contact #: 972-379-7597
Email: [email protected]
Link: easystreetcap.com
Eleven Mortgage

Eleven Mortgage

Products: FHA, Jumbo, DU LP620 fha580 reheb jumbo
Account Rep: Michael Sheffield
Contact #: 410-591-3910
Email:[email protected]
Link: https://elevenmortgage.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Emporium TPO

Emporium TPO

Products:
Account Rep: Brandon Hickman
Contact #: 516-305-7573
Email: [email protected]
Link: https://emporiumtpo.com/

Forms:
First Central Savings Bank

First Central Savings Bank

Products: Stated Income Owner Occupied, NON QM, Helocs for investment properties, Mixed Use
Account Rep: ROBERT MARRALI
Contact #: 716-402-1307
Cell: 516-476-7505
Email: [email protected]

FORMS

Mixed Use Quick Facts
RATE MATRIX/ESHP
RATE MATRIX/ESOP
SPECIALITY HOME LOAN PROGRAM (SHP) GUIDELINES
SPECIALITY OWNER OCCUPIED PROGRAM (SOP) GUIDELINES
HELOC
RATE FEES
Mixed Use Quick Facts
Rates & Fees
CPA Letter

MU Submission Package:

1003
1003 – Additional Borrower
1003 – Continuation Sheet
1003 – Unmarried Addendum
Appraisal Order Form
E-sign Disclosure Content
I&E Worksheet
Income Disclosure
Loan Submission Form
Qualifying Income Sheet
USA Patriot Act Information Disclosure
First Guaranty Mortgage Corporation

First Guaranty Mortgage Corporation

Products: Conventional, FHA, Non-QM, 2nd liens
Comp Level LP: 2.75
Account Rep: Nick Glasse
Contact #: 972-905-1218
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
First IC Bank
First IC Bank

Products: No Income Check
Account Rep: Peter Kim
Contact #: 718-701-3810, 201-633-1177
Direct: 718-701-4429
Cell: 201-486-8822
Email: [email protected], [email protected]
Link: www.firsticbank.com

FORMS

Items Needed at Application

1003 format
Portfolio Mortgage Program
ACH – Set Up Form
Borrowers Authorization
Client Information Sheet
Lead Paint Disclosure Form NY
NJ Lead Paint Disclosure Form

Proposed Matrix
Portfolio Home Mortgage Loan Request Form
Condo Questionnaire

Rate Sheet

Portfolio Home Mortgage loan program:
- 35% Down Payment and 680 Fico Scores are accepted.
- 5 Yr Arm @ 4.625%
- 15 Yr Fixed @ 4.375%
First National Bank of America, FNBA

First National Bank of America, FNBA

Products: 12 Month Bank Statement, ITIN, Non-warrantable Condos, P&L only, Asset Depletion, Bank Statement Program, Jumbo, Mixed Use, NON QM, Multiple properties on 1 parcel, Vacant Land, Mobile Home
Account Rep: Patrick Richard
Contact #: (517) 203-7383
Toll Free: (800) 289 3320 ext 7241
Fax: (517) 336 2909
Email: [email protected]
Link: fnba.com/mortgage-brokers/

FNBA Presentation

Forms

TPOC Spreadsheet – Access to Portal
Broker Submission Process
FNBA TPOC Wholesale Systems Training

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
FMS Investor Financing

FMS Investor Financing

Products: DSCR Investment Properties, Fix & Flip, Fix & Flips/Bridge
Account Rep: Damon Long
Contact #: 210-774-5440
Email: [email protected]
Link: https://fmsinvestor.com/

Forms:

Copy of Track Record
Copy of Net worth statement
LOCandProp

Flyers:
Flyer_DSCR Rental
Flyer_Fix&Flip
FundLoans

FundLoans

Products: Florida only, Foreign National, No Income Check, No Doc, Non-QM Fico 580, NOO 85% LTV,Second Mortgage Bank Statements
Account Rep: SHANE COLSON
Contact #: 520.271.1810
Email: [email protected]
Main #: 603-834-2644

Forms

Business Purpose Exempt

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Greenbox Loans

Greenbox Loans

Products: Commercial, NON QM, Bank Statement Program, DSCR, Non Warrantable Condos, Condotel
Account Rep: David Shackelford
Contact #: (213) 235-4376
Office #: 213-235-4335
Email: [email protected]
or [email protected]

Forms

Commercial Loan Scenario Checklist

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Hanover Bank

Hanover Bank

Products: No income check, investment coops
Account Rep: Brian A Bacchus
Contact #: 516.548.8565
Email: [email protected]
Link: hanoverbank.com

CONTACT FOR SBA AND COMMERCIAL

Account Rep: David Conrad
Contact #: 646.775.4011
Email: [email protected]

FORMS

COOP Questionnaire
COOP Questionnaire-EDITABLE

Condo Questionnaire

9.4.2023 Rates

May 1st Rates

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Impac Mortgage

Impac Mortgage

Products: Bank Statement Program, Foreign National, Investment Property, Non Warrantable Condos, Interest only option to 85% LTV, Bank Statement 680 Fico 80% LTV
Account Rep:
Contact #:
Email:
Link: www.ImpacWholesale.com,
https://impacwholesale.com/iprice
Main #: 949-475-9350

Forms:
Rate Sheet
Non-QM Side By Side
21 & Done
Agency Plus
Asset Qualification
Bank Statement
Investor

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
JMAC Lending

JMAC Lending

Products: 30-year & 40-year amortization, Condotel, DSCR, First-time investor, Foreign National, No ratio, No tax returns required, Short-term rentals, Alt-Doc, FHA, Full doc, Interest only, Jumbo, NON-QM, P&L only, VA

Account Rep: Michelle Smith
Contact #: 772-708-2857
Email: [email protected]
Link: https://www.jmaclending.com/
Main #:

Forms:
JMAC Lending Quick Reference Guide
JMAC Lending Product Lineup
DSCR Process for Loan Originators Not Licensed in Subject Property State

LendingHome

LendingHome

Products: Fix & Flip, Investment Property, Rehabs Flips, 80% of Purchase
Comp Level LP: 2.35%
Account Rep: Noah Howland
Contact #: (415) 549-8787
Email:[email protected]
Link: https://www.lendinghome.com/users/sign_in

Forms

Broker FAQs
Broker Processing Guide
Credit Box
Construction Draw Guide Pro
Lending Home Operational Procedures
Tips for Scope of Work Submission
Terms & Licensing Requirements By State
Scope of Work Blank Template
Borrowing Authorization
Deal Verification Template
Bridge Pro Loan Program
Bridge Standard Loan Program
Bridge & Rental

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
LendingOne

LendingOne

Products: Construction Loans, DSCR, Fix & Flip, Investment Property, Multifamily Bridge Loans, New Construction, Investment Rental DSR1.15
Account Rep: Mark Zummohurley
Contact #: (561) 257-2870
Email: [email protected]

Forms

Updated Rental Sheet
Fix & Flip Bridge Overview
New Construction Overview
Broker Compensation

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
LendingPros

LendingPros

Products: AirBnB, Short Term Income, Vacation rental by owner
Account Rep: Vincenza Airo’
Contact #: 908-370-9704
Email: [email protected]
Link: www.golendingpros.com

FORMS

NonQM Loan Programs
NonQM Loan Programs – page 2
LendingPros NON-QM Matrix
Quickstart Broker Application Package
DPA Pro
DPA Pro Plus

EXPENSE FACTOR INFO
DSCR
ITIN
Credit Grade Upgrade Policy

RATES

NONQM LendingPros Ratesheet
Lendz Financial

Lendz Financial

Products: DSCR (1-4 Unit), DSCR (5-8 Unit), Cross Collateral, Foreign National, Bank Statement Program, P&L only, Asset Utilization, WVOE Only, 1099 Only, DSCR, Condotel, ITIN
Account Rep: Nataliya Matsopa
Phone: (773) 306-9572
Email: [email protected]

FORMS

Nitches
Lima One Capital

Lima One Capital

Products: DSCR, Ground Up Construction, Fix & Flip, Multi Family, Bridge Loans
Account Rep: Danielle King
Contact #: 760-707-6261
Email: [email protected]
Link: limaone.com

FORMS

Bridge Financing
Multifamily Financing
New Construction Financing
Rental Financing
General Business
Loan Stream Mortgage

Loan Stream Mortgage

Products: FHA, VA, Non Qm
Account Rep: Chris LaRocco
Contact #: 630 476 8580
Email: [email protected]

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
LoanWyse

LoanWyse

Products: 1099 – 1 Year, 1099 – 2 Year, 1099 Only, 5+ Units, 80% LTV, Alt-Doc, Commercial, DACA, DSCR, DTI to 50%, Foreign National, Full Doc, Interest Only, Loan up to 4 Million

Account Rep: Seth Soloway
Contact #:
Email: [email protected]
LYNK Capital

LYNK Capital

Products: Bridge Loans, Fix & Flip, Fix & Flips/Bridge, Ground Up Construction, Investment Property, Investor Program, New Construction, Rental

Account Rep: Michael Huffman
Contact #: 981-552-1933
Email: [email protected]
Metro City Bank

Metro City Bank

Products: NON QM, P&L only
Comp Level LP: Collect Outside
Account Rep: Eric Suh
Contact #: 917-364-2288
Email: [email protected]
MAIN #: 929-373-4363/58

Forms

Customer Profile
Credit Card Authorization
Required Documentation
E-Disclosure Consent_Mortgage
Uniform Condo Questionnaire Form
PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
NQM Funding

NQM Funding

Products: 2nd liens, 20 Year & 40 year amortization, Alt-doc, DSCR, DSCR (5-8 unit), DSCR 1-10 unit/2-8 unit mixed use, DSCR investment properties, DSCR up to 10 units, Full doc, ITIN, ITIN full doc, Super jumbo loans, Asset depletion, Asset utilization, 2-1 buydowns, DSCR (1-4 unit), Foreign national, No ratio investor loans to $3M, 2 month bank statement

Account Rep: Eileen McNamee
Contact #: 561-461-6696
Email: [email protected]
MAIN #:

Forms:
FLEX Matrices
Oak Tree Funding

Oak Tree Funding

Products: No Income Check, NO Income 90% LTV O/O, 40 year interest only
Account Rep: Mari Woods
Direct #: 480.618.6217
Cell #: 818.836.1062
Email: [email protected]
Link: www.oaktreewholesale.com
Link: Nonqmexpert.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown

Forms

1 Year Tax return
Alt Doc
Asset Depletion
Full Doc
Professional Investor
Reduced Doc
Reduced Doc 2
OWEMANCO

OWEMANCO

Products: NON QM, Hard Money Commercial
Account Rep: Cody Krieser
Contact #: 416-565-3530
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Patch Lending Formerly Known as Patch of Land

Patch Lending

Products: Fix & Flip, Farm Loans, No Income Check, Long Term Rental Loans, Land Loans, Hard Money, Mixed Use, New Construction, Long Term DSCR, MultiFamily 5 Units and above
/ lend 80-85% of the purchase price and 100% of the rehab/LA can’t exceed 70%

Account Rep: Carlos Santos
Contact #: (424) 377-4790
Toll Free: (888) 959-1465 Ext. 1038
Email: [email protected]

Forms:

Loan Application
Processing Requirements – Refi & Rehab
Processing Requirements – Purchase & Rehab
Processing Requirements – Refi & Purchase

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Priority Wholesale Lending

Priority Wholesale Lending

Products: Florida only: Bank Statement Program, Foreign National, Stated Income Investment Property
Comp Level LP: LP1%/BP5%
Account Rep: Christine Houck
Email: [email protected]
Contact #: 215-356-0888

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Quontic Bank

Quontic Bank

Products: Condo, Coop, DSCR, No Income Check, No Ratio, Stated Income Owner Occupied, Stated Income 80% LTV, No Ratio 65% LTV, 1-4 Family, P&L 75% LTV
Comp Level LP: 2% Broker Fee O/O
Account Rep: Abdul Rehman
Contact #: 917-974-3300
Email: [email protected]
Main #: 929-487-1503
Link: Quontic.com

Matrix

Product Guidelines (Lite Doc)
80 LTV Stated Guidelines
Product Guidelines
Rate Sheets

Forms

DSCR State License Requirement List

12 months p&l
Verification of Employment Form – BLANK – PDF
Verification of Employment Form – BLANK

Updated Credit Card Authorization
Updated CDL Submission Form
Fast Submission Form 2020
CD Request Form
Coop Questionnaire
Wholesale Contact Sheet

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown

Mortgage Clause

HOI / Title /CPL
HOI: Quontic Bank
ISAOA ATIMA
3105 Broadway Astoria NY 11106
Title: SAME

Approved Attorney List

Currently we are using AGMB
Corey Gindi
Partner • Abrams Garfinkel Margolis Bergson, LLP
1430 Broadway • 17th Floor • New York, New York 10018
P: (646) 473-7585 • F: (646) 218-4137
Cell: (917) 838-1602
[email protected] • www.agmblaw.com
REMN
REMN

Products: 203K, Combo/PiggyBack, Conventional, FHA, HomeStyle, Lender Pre-Approvals, 12 Month Bank Statement, Investor Cash Flow, Jumbo, 24 Month Bank Statement, 1099 Only, Asset Qualifier, Full Doc, FHA 203k
Comp Level LP: 2.75%
Max Lender Paid $:No limit
Account Rep: Julia Murphy
Contact #: (201) 446-9275
Email: [email protected]
Depart Searches Pur / Refi:Yes
Switch LP – BP:Yes
MAIN #: 866-933-6342
Link: https://www.remnwholesale.com/
https://hub.remnwholesale.com/portal/#/pipeline

Matrix

NON QM FULL DOC
ICF-No Income Purchases for Investment Property–USE only RENT

Mortgage Clause

HomeOwners Insurance (Including Hazard, Flood, Wind, Hall, etc.)
HomeBridge Financial Services, Inc. D/B/A Real Estate Mortgage Network
ISAOA/ATIMA
P.O. Box 202028
Florence, SC 29502-2028

Forms

Mini Trid Submission Form
Pre Disc Broker Cert Final
PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Steps for ordering LE”] Our process is below. If you’d like to order the LE, it’s super simple, please click the link below in step 1, and upload the two docs I’ve attached (fully completed, otherwise they will send it back), 1003 signed and dated by LO, and your 3.2 file. Once submitted, our LE department will begin working on the LE. Step 2 will be to run DU, which I can walk you through.
Step 1- LE Request
To submit the LE request, please click on this link:

https://remnle.zendesk.com/hc/en-us/requests/new?ticket_form_id=230467
You will need the following documents to upload with your request:
- - Mini Trid Submission Form
  - Pre Disc Broker Cert Final
  - 1003 signed by LO
  - 3.2 File
Step 2 – Running DU via the REMN Portal
- Log on and go to Tools- AUS Pending Pipeline.
- Click on Submit New Loan and upload the 3.2 and run DU through our portal following the instructions attached.
- If DU is not applicable for the product you are submitting, please still upload 3.2 and select applicable option on first pop up screen on the drop down menu ex: LP, IRRRL, USDA or FHA streamline)
Step 3 – Uploading your package to BlitzDocs
You can access Blitzdocs via the portal by going to TOOLS- BLITZDOCS or you can use this direct link : www.blitzdocs.net/
Log into BlitzDocs, and search for your loan using the loan number our LE department provided you or the last name of the borrower and open up the folder.
At the top of the page click on Documents- Upload and browse/upload your initial submission package/s.

Package must include at minimum:
- Credit Report
- Contract of Sale ( If a purchase)
- Income docs
- You can upload any other documentation you have gathered thus far
RCN Capital

RCN Capital

Products: Fix & Flip, New Construction, Short-Term Fix & Flip, Long Term Rental Loans, Fix & Flip up to 85% LTV
Account Rep: Alexander Crivelli
Contact #: 860-432-4894
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
SBT Advantage Bank

SBT Advantage Bank

Products: Coop, DSCR, Investment Property, 1-4 Family, CPA Letter 50% DTI, Primary or investment 65% LTV
Account Rep:
Contact #:
Email:

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Share States

Share States

Products: Fix & Flip, Investment Property, 18 months term 8.75% 2pts 680 FICO
Account Rep: Michael Lederman
Contact #: 516-316-6718
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Solve Mortgage Previously known as ALTLoan

Solve Mortgage Previously known as ALTLoan

Products: No Ratio, 1099 Only, 12 Month Bank Statement, 24 Month Bank Statement, Asset Depletion, DSCR, Foreign National, Jumbo Prime, NON QM, Non-Prime, No Ratio Investor Loans to $3M, In-House Underwriting Only, Alt A Non-QM, Investor No Stated Income, Jumbo Prime Express, 3.99% Investor No Stated Income, Exclusive Investor No Stated Income, Exclusive Non-QM Non-Prime
Account Exec: Blake Scheifele
Contact #: 609-529-9805
Email: [email protected]

PreQual Forms

REO WorkSheet
Commercial Income Expense Breakdown
South End Capital

South End Capital

Products: No Income Investment/Church loan/Credit Lines/Wholesale Brokers
Account Rep: Ed Norton
Contact #: 888-268-7778 ext 4
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Sun West Mortgage Broker

Sun West Mortgage Broker

Products: 203K, Bank Statement Program, FHA, Jumbo, Lender Pre-Approvals, Non Warrantable Condos, VA, Conventional, USDA, VA Jumbo, FHA 203(k) Rehab: Standard & Jumbo, FHA Loan Program for Disaster Victims, FHA Streamline: Standard & Jumbo, USDA Streamline Refinance, HUD 184, HECM – Reverse Mortgages, Conventional High Balance Conforming, Non-Conforming Jumbo Loans, Fixed Rate with Lender Paid Mortgage Insurance, HomeStyle, Renovation, Fannie Mae RefiNow Loan, HomeReady, HomePossible, Freddie Mac’s HomeOne Mortgage, 7-10 Financed Properties, NON QM, Down Payment Assistance Program, Fannie Mae HomeStyle Energy Mortgage, Freddie Mac Refi Possible Mortgage
Account Rep: Olu Aiyegbusi
Contact #: (951) 309-9094
Main #: (800) 453-7884 Ext. 87442
Email: [email protected]

FORMS

Products
NON -QM
Reverse Mortgage
TRU Approval
Chenoa DPA on FHA Loan 100%
NON QM EZ A+ Program
NON QM DSC Program
NON QM EX Flex+
The Lender

The Lender

Products: No Property ownership required (FTHB Allowed), No Min Tradeline requirements (MTG Only credit report with score allowed), No Restrictions on Nursing/Assisted Living homes, Credit Event Seasoning only 24 months, No Restrictions on Unleased Property, Housing lates up to 0x60x12, No restrictions on gift funds, No Income Check, Bank Statement Program, NONI, NADA, USDA 620 Credit Score, 5 – 8 Residential Units Only, No minimum tradelines required for borrowers with 3 FICO scores, Gift funds allowed after 10% contribution, Loan amounts up to $3.5MM, LTV’s up to max 75%, Cash in hand up to $1MM, Fico score as low as 660, 24 months seasoning on BK/FC/SS/DIL, Qualify off ITIA payment when I/O is selected, No tradeline requirements for Borrowers with all 3 credit scores reporting on credit, 6 months reserves, Only 30 day asset verification required, Gift funds allowed, I/O option available, Blanket Mortgage, Bridge Loans, 5 to 25 units, First Home Buyer, First Time Investor
Account Rep: Aaron Easton
Contact #: 949-570-2388
Email: [email protected]

https://www.thelender.com/noni/

See Youtube Video Here

Forms

G-Pa525 Matrix 10.23.23

G-Pa Matrix

NONI 58 Rates

NONI Matrix
Business Purpose Rate Sheet
TheNONI
Wholesale Submission Form
4 Reasons
Broker Essentials – Same Day Disclose and Underwriting
NONI Better Than Ever WhiteLabel
NONI WhiteLabel
NONI Nation
TheNada Matrix
Business Purpose Brokerage Package
Consumer Brokerage Package
Our Products

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Tower Fund Capital

Tower Fund Capital

Products: Cross Collateral, Hard Money
Account Rep: n/a
Contact #: 646.564.3499
Email: [email protected]
Link: https://www.towerfundcapital.com/

FORMS
UNMB

UNMB

Products: Reverse Mortgage
Account Rep:
Contact #:
Email:
Main #: 855-256-8662

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Velocity

Velocity

Products: Foreign National, Stated Income Investment Property
Account Rep: David Ryan
Contact #: 215-619-2542
Email: [email protected]
Main #: 610-247-8607
Link: http://www.velocitymortgage.com/

Matrix

DWR Matrix

Forms

Loan Request Form
PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Visio

Visio

Products: Commercial, Mixed Use, Multi Family
Account Rep: Brandon Tully
Contact #: 512-334-1465
Email: [email protected]
Link: http://www.visiolending.com/loan-selector

Forms

White Label Loan Application
Rate Sheets
Documents Needed Checklist
Broker Loan Submission Form
Estimate Request

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
York Funding LLC

York Funding LLC

Products: Commercial, DSCR, Mixed Use, Hotel, Apartment Buildings, 1-4 Family
Account Rep: Peter Aytug
Contact #: 718-707-0090
Link: www.YorkFunding.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
We Lend

We Lend

Products: Construction Loans, Hard Money, Commercial, NON QM, Rates 8.99%- upto 90%LTV Pur – 100% on Construction cost
Account Rep: Ruben Izgelov
Contact #: 917-815-1222
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown

Commercial

ACC Mortgage
ACC Mortgage

Products: Bank Statement Program, Condo, Foreign National, Stated Income Investment Property, Condotels, P&L only, 12 Month Bank Statement, 24 Month Bank Statement, No Income Verified Asset program, Foreclosures, Shortsale, 1 day seasoning on BK, No minimum DSCR
Eligible Loan Programs
- Expanded Prime- 12 or 24 month bank statement program
- Prime- 12 or 24 month bank statement program
- NIVA- No Income Verified Asset program
- 2nd Chance- 1 day seasoning on BK, Foreclosure, or Shortsale program
Account Rep: Kym Schuman
Contact #: 240.753.0946
Email: [email protected]

Matrix

Non Qm
Expanded Prime Matrix
P&L Only, No Bank Statements Required

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Alpha Tech Lending

Alpha Tech Lending

Products: Construction Loans, Commercial
Account Rep: Jerry Cannon
Contact #: 516-888-1255
Main #: 888 276 6565
Email: [email protected]

FORMS

Rehab Application
Required Documents to Submit
Track Record Template
SOW Worksheet REHAB
Apartment & Commercial Loans

Apartment & Commercial Loans

Products: Hotel Construction, MultiFamily 5 Units and above
Account Rep: Ric Cavallero
Contact #: 805-832-5599
Email: [email protected]
MAIN #: 877-754-1031 Ext 701
Link: www.aclfunds.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
APEX Mortgage

APEX Mortgage

Products: Church Loans, Mixed Use, 70% LTV, Max LTV 60% – will allow seller financing for an additional 20% (total 80 LTV)
Account Rep: Kevin Kane
Contact #: 267-470-3120
Email:[email protected]
MAIN #: 800-262-2739
Link: http://www.apexmtg.com/

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Arbor Realty Trust, Inc.

Arbor Realty Trust, Inc.

Products: Bridge Loans, Fannie Mae and Freddie Mac, FHA, Commercial, Multi Family
Account Rep: Eugene Yanovskiy
Contact #: 917.846.1041
Email: [email protected]
Main #: 646.695.0653
Axos Bank (was BOFI)

Axos Bank

Products: Foreign National, Investment Coops, Jumbo, Non Warrantable Condos, Cross Collateral
Comp Level LP: 1LP-2BP
Max Lender Paid $: No limit
Account Rep: Kristin Binkley
Contact #: (772) 208-7631
Email: [email protected]
Depart Searches Pur / Refi: YES
Switch LP – BP: No
MAIN #: 888-883-9672
Link: https://correspondent.bankofinternet.com/index
https://www.axosbank.com

Matrix

Marketing Flyer
Rate Sheet
TPO Marketing

Forms

Expanded Program – Product Matrices

Operating History
PFS Individual
Commercial Overview
Bank Income Property Rate Sheet
Mixed Use Lending Flyer
Mulit Family
Small Balance Lending Flyer
IPL Cons
IPL Apartment Rent Roll

Axos Powerpoint – Commercial Lending

Third Party Lending Overview – PowerPoint
Asset Depletion Calculation Grid
SFR Wholesale Rate Sheet
Bank Financial

Bank Financial

Products: Non Warrantable Condos, DSCR, Multi Family, 5+ Units, $250K – $5MM, 80% LTV, 1.25 DCR
Account Rep: Darrin Cook
Contact #: 630-242-7148
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Bank of Hope

Bank of Hope

Products: Church Loans, Cross Collateral
Account Rep: Steve Hong
Contact #: (213) 427-6061 Ext 46241
Fax #: (213) 383-2389
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Bethpage Credit

Bethpage Credit

Products: Combo/PiggyBack, Condo, Coop, DSCR, Jumbo, Non-warrantable Condos, 1-4 Family, Combo Loans 1-4, NON QM
Comp Level LP: 1% LP
Account Rep: Urmila Mohammed
Contact #: 516-349-6810
Email:[email protected]
Depart Searches Pur / Refi: Yes/ With CO
MAIN #: 516-526-5425

Matrix

Bethpage Federal Credit Union Guidelines

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Business Loan Capital

Business Loan Capital

Products: SBA 504 / Bridge Loans, Commercial, SBA,SBA 504
Account Rep: Scot Alexander
Contact #: 516-567-6604
Email:[email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Carrington Mortgage Services

Carrington Mortgage Services

Products: 203K, FHA, Mixed Use
Account Rep: Klaudia Rodrigues
Contact #: 860-593-8610
Email: [email protected]

Forms

Investor Advantage Program
Bank Statement
Investor Advantage
Century Capital Partners

Century Capital Partners

Products: Bridge Loans for-Ground up Construction/Foreclosure Bailout 65%LTV/Bankruptcy Workouts
Account Rep: Miryawm Faerman
Contact #: 201-880-7850 ext 107
Email:[email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Celtic Bank

Celtic Bank

Products: Child Care Facilities, Convenience Stores, Gas Stations, Golf courses, Hotel, Manufacturing, Restaurants, Business Loan, Recreation, Nursing Care, Bed & Breakfast, Security, Liquor Store, Clothing, Bar, Car Wash, Automotive, Equipment Financing
Account Rep: Skyler McClure,
Contact #: 801 244 6855
Office #: 801 320 6530
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Commercial Mortgage Consultants, Inc.

Commercial Mortgage Consultants, Inc.

Products: Mobile Homes, RV parks
Account Rep: Richard
Contact #: 720-434-8100
Email: [email protected]

FORMS

CMC Flyer Mobile Home Parks
CMC Flyer RV-Parks Campgrounds

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Commercial Mortgage Depot

Commercial Mortgage Depot

Products: Rehab, Stated Commercial Loans, Bridge Loans, SBA, Cannabis Financing
Account Rep: n/a
Contact #: (973) 742-1111
Email: : [email protected]

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Emigrant

Emigrant Mortgage

Products: CashFlow, Coop, Investment Coops, No Credit Score, Apartment Buildings, Cross Collateral, Jumbo, Mixed Use, Multi Family, SBA, Foreign National, Small Office Complexes, Commercial Condos, Commercial Co-ops, Underlying Co-op Loans – Under 5 units OK!, Retail Buildings, Business Purpose Investment Property, Super Jumbo Loans, Multi-State Cross Collateralized Loans Appraisal Killer
Account Rep: Larisa Kessel
Contact #: 917-655-7685
Email:[email protected]
Main #: 877-563-7115
Link: https://www.emigrantmortgage.com

Mortgage Clause

HOI / Title /CPL
HOI: EMIGRANT MORTGAGE CO., INC. ITS SUCCESSORS AND/OR ASSIGNS 7 WESTCHESTER PLAZA ELMSFORD, NY 10523
Title: SAME

Bank Attorney

Approved Bank Attorney List for Emigrant

Forms

EFC – SEVENTH Release Underlying Coop Application
Commercial Coop Questionnaire
EFC – Fair Lending Policy

Geographic Lending Areas

Commercial Loan Setup Form

Residential and Commercial Summary Flyer
BrokerDirect Foreign National Flyer
Cash Flow Program Flyer

Agency Coop Checklist
Loan Submission
Standard Application
Fair Lending Policy
4506T
Commericial Condo Questionnaire

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Empire National Bank

Empire National Bank

Products: Commercial, Commercial Equity Line
Account Rep: Robert Schepis
Contact #: 631-456-9071
Email:[email protected]
Main #: 631-348-4444
Link:

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Empire State Bank

Empire State Bank

Products: Commercial
Account Rep: JoAnn Libretti
Cell: 347-204-4363
Direct: 347-695-9032
Email: [email protected]

Forms

BROKER APPLICATION
Broker app release

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Emerald Creek

Emerald Creek

Products: Bridge Loans, Mixed Use, Multi Family, Min $1 Mill LA
Account Rep: Matt Fantuzzi
Contact #: 646-237-2570
Email:[email protected]
Link: http://www.emeraldcreekcapital.com/lending.html

Forms

Commercial Bridge Loan Paraemeters

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Finance of America Commercial

Finance of America Commercial

Products: DSCR, Stated Income Investment Property, Reverse Mortgage, Construction Loans
Account Rep: Ryan Dunphey
Contact #: 704-672-4149
Email: [email protected]

Forms

HUD SUA Form 9991
Single Unit Approval Document List

Application Quote Form

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Flushing Bank

Flushing Bank

Products: Mixed Use, Multi Family, Investment Property, Underlying Mortgage, Fixed Rates, Small Multi Family
Account Rep: Patrick Akosah
Contact #: 718-512-2798
Email: [email protected]

Forms

Application Package
Property Rent Roll Expenses and Purpose of Cash-Out Statement Proposed
Site Inspection and Appraisal Order Form
Current Rates

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
FMC Lending

FMC Lending

Products: Bridge Loans, Commercial, Fix & Flip, Land Loans, Conventional, Hard Money, Mezzanine Loans, Home Equity
Account Rep: Marc Palazzo
Contact #: 415-237-4737
Email: [email protected]
Link: www.fundmortgagecapital.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Freedom Capital

Freedom Capital

Products: Min$400K Commercial, Construction Loans, Renovation, Stated Income Investment Property, Hotel, Motel, Gas Stations, RV parks, Office, Medical Offices, Condo, Industrial, Warehouse, Retail, Manufacturing, Child Care Facilities, Vehicle Dealers, Car/Truck/Vehicle Service, Salons/Spas/Barber Shop, Dry Cleaner/ Specialty Retail, Restaurants, Bar, Oil/ Lube Service/ Body Shops, Tunnel Car Wash, Bowling/ Sports Facility, Mixed Use with Apartments, Self Storage Facility
Account Rep: Jim Howell
Contact #: 602-647-0494
Direct: 480-656-2688
Email:[email protected]

Forms

Broker Introduction Package

Marketing Flyer
TPO Marketing
Third Party Lending Overview – PowerPoint
Asset Depletion Calculation Grid

Current Rate Sheet

Rate Sheet
SFR Wholesale Rate Sheet

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Greenbox Loans

Greenbox Loans

Products: Commercial, NON QM, Bank Statement Program, DSCR, Non Warrantable Condos, Condotel
Account Rep: Dale Dikes
Contact #: 248-410-5329
Office #: 213-235-4365
Email: [email protected]

Forms

Commercial Loan Scenario Checklist

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Highland Financial Capital

Highland Financial Capital

Products: Construction Loans, NOO upto 20 units, Ground up Construction Loans $150K-$2.5MM
Account Rep: Sabi Varon
Contact #: 770-730-1707
Email: [email protected]
Main #: 404-886-0555
Link: www.highlandfinancialgrp.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
KDM Financial

KDM Financial

Products: Commercial, Income statement/balance sheet program, Owner occupied, Assisted Care Facilities, Automotive, Vehicle Dealers, Convenience Stores, Child Care Facilities, Funeral Homes, Manufacturing, Medical Offices, Mini Storage, Office, Restaurants, Retail, Business Loan, Wholesalers
Account Rep: Robert Roque
Contact #: (786)286-3087
Email: [email protected]
Main #: 855-KDM-LOAN (536-5626) ext. 4106

Forms

Program Highlights – 3 Year Fixed
Program Highlights – 5 Year Fixed
Program Highlights – 10 Year Fixed
Investment Property Checklist – Purchase and Refinance
Program Highlights – Owner Occupied
Loan Check list

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Kennedy Funding

Kennedy Funding

Products: Commercial – US / South America/Puerto Rico, Land Loans, Mixed Use, Multi Family, Hotel, Acquisitions, Bankruptcies, Note purchases, Workouts, Retail, Office, Industrial, International/ Abroad Lending
Account Rep: Chase Wolfer
Contact #: 201-708-9901
Email: [email protected]
Link: https://www.kennedyfundingfinancial.com/loancriteria/
Main Phone #: 201-342-8500

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown

Korth Direct Mtg

Korth Direct Mtg

Products: Commercial, DSCR
Account Rep: Danny Liorente
Contact #: 786-567-3117
Email:[email protected]
Main #: 305-297-8744

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
LibertySBF

LibertySBF

Products: SBA
Account Rep: Nick Patel
Contact #: (570) 417-0817
Email: [email protected]
Main #: (215) 309-6419

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Maspeth

Maspeth

Products: DSCR, Investment Property, Multi Family, Investment – No1040’s – close in LLC 3&4 Family Single Asset, Cross Collateral
Comp Level LP: Broker Fees
Account Rep: Alice Chung
Contact #: 718-651-7888 x250
Email: [email protected]
Link: https://www.maspethfederal.com/lending/commercial/

Forms

Loan Requirements
Single Asset Loan Application
Corporate Mortgage Application with Personal Guarantee
MFS Loan Application Package
Single Asset Entity Mortgage Application Package
Commercial Property Purchase

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Normandy

Normandy

Products: Construction Loans, New Construction, Land Loans, Case by Case Land loans, Construction Max $3-$4MM
Account Rep: n/a
Contact #: 585-256-2600
Email: [email protected]
Main #: 800-390-7536
Link: http://normandy.com/

Forms

Residential Lot/Land Loan Submission
Submission Sheet
CreditPlus
1003 Letter
2019 Tax Return
2019 Tax Returns Warrior Service Company
2020 Federal Income Tax Return
2020 Federal Income Tax Return 2

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
NuBridge Commercial Lending

NuBridge Commercial Lending

Products: Commercial, Bridge Loan
Account Rep: Ed Ainbinder
Contact #: 800-833-4714 x 122
Email: [email protected]
Main #: 516-738-4864
Link: NuBridge.com

FORMS

Bridge Program Summary
Express Program Summary

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Oakmont Commercial

Oakmont Commercial

Products: Commercial
Account Rep: Andrew Culkin
Contact #: 609-214-7197
Email: [email protected]

Forms:

Small Balance Lending
Loan Summary Submission Form

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Patch Lending Formerly Known as Patch of Land

Patch Lending

Products: Fix & Flip, Farm Loans, No Income Check, Long Term Rental Loans, Land Loans, Hard Money, Mixed Use, New Construction, Long Term DSCR, MultiFamily 5 Units and above
/ lend 80-85% of the purchase price and 100% of the rehab/LA can’t exceed 70%
Account Rep: Carlos Santos
Contact #: (424) 377-4790
Toll Free: (888) 959-1465 x 1038
Email: [email protected]

Forms:

Loan Application
Processing Requirements – Refi & Rehab
Processing Requirements – Purchase & Rehab
Processing Requirements – Refi & Purchase

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Ponce De Leon

Ponce De Leon

Products: Coop, Investment Coops, Investment Property, Mixed Use, Max 70% LTV Investment, MIN LA $250K
Comp Level LP: Collect Outside
Account Rep: Felipe Rodriguez
Contact #: 646-938-0029
Main #: 718-426-5111
Email: [email protected]

Forms

CRE Loan Application Package – Fillable
Common Sense Lending

PreQual Forms:

REO WorkSheet
Commercial Income Expense Breakdown
Power Financial Credit Union

Power Financial Credit Union

Products: Commercial Helocs
Account Rep: Mark Mattozzi
Contact #: 800-548-5465
Email: [email protected]
Broward: 954-538-4421
Dade: 305-258-1000
Link: https://www.powerfi.org/

Forms

Personal Financial Statement
Credit Authorization
Real Estate Schedule

PreQual Forms:

REO WorkSheet
Commercial Income Expense Breakdown
Private Commercial

Private Commercial

Products: Ground Up Construction

Account Rep: William Borman
Contact #: 914-266-7965 x120
Email: [email protected]

FORMS

General_parameters
Funded_deals
Provident Funding, a division of Colorado Federal Savings Bank

Provident Funding, a division of Colorado Federal Savings Bank

Products: Commercial, Construction Loans
Account Rep: Mark Dressel
Office #: 408-694-1747
Email: [email protected]

Forms

Commercial Loan Programs
Owner-Occupied Construction Loan Program

Provident Funding Important Information

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Quaker State Commercial Finance

Quaker State Commercial Finance

Products: Bankruptcies, Commercial, Condo, Hard Money, Hotel, Industrial, Investment Property, Land Loans, Multi Family, Retail, SBA, Asset Based Loans, Office Buildings, Residential Tract Development, Apartment financing, Assisted Care Facilities, Casinos, Congregate, Foreclosures, Golf Course-Residential Communities, Golf courses, High-risk situations, Industrial Parks, Land Development, Mezzanine Loans, Mini Storage, Mixed-Use Developments, Motel, Office, PUDs, Restaurants, Senior Housing, Shopping Centers
Account Rep: Leonard J. Keating, Jr.
Contact #:
Main #: 610-667-6701
Email: [email protected]

Forms

PreQual Forms:

REO WorkSheet
Commercial Income Expense Breakdown
RED Capital Group

RED Capital Group

Products: Multi Family, 5+ Units
Account Rep: Michael Young
Contact #: 646-741-7633
Email: [email protected]
Link: redcapitalgroup.com

Forms

PreQual Forms:

REO WorkSheet
Commercial Income Expense Breakdown
Silver Hill Funding

Silver Hill Funding

Products: Commercial, Mixed Use, Bank Statement Program, DSCR
Account Rep: James Pendergast
Contact #: 786-755-0571
Email: [email protected]
Main #: 401-249-4079

Forms

Unbranded Profit and Loss
Unbranded Debt Schedule
Unbranded CapEx-Schedule
Unbranded Rent Roll Multifamily
SHF – Eligible Property Types

Loan Application
DSCR Program Overview
Product Sheet – Bank Statement
Product Sheet – FNMA Conforming and High Balance Program
Small Balance Commercial Product Suite
Product Sheet – Agency Investor PLUS
Fact Sheet Alliance Program

Unbranded Rent Roll Commercial
Unbranded Loan Application

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
South End Capital

South End Capital

Products: Church Loans, Stated Income Investment Property, Heloc, Commercial Equity Line
Account Rep: Ed Norton
Contact #: 888-268-7778 ext 4
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
The Harbor Bank

The Harbor Bank

Products: CashFlow, Church Loans
Account Rep: Chill
Contact #: 443-923-0584
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
USA Capital Funding

USA Capital Funding

Products: Commercial loans
Account Rep: Paul Perez
Contact #: 908-358-7980

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Velocity

Velocity

Products: Foreign National, Stated Income Investment Property
Account Rep: David Ryan
Contact #: 215-619-2542
Email: [email protected]
Main #: 610-247-8607
Link: http://www.velocitymortgage.com/

Matrix

DWR Matrix

Forms

Loan Request Form
PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
Vermont Equity

Vermont Equity

Products: Commercial, Hard Money/ 12% 2pts
Account Rep: Manny Piroozian
Contact #: 516-423-9818
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
York Funding LLC

York Funding LLC

Products: Commercial, DSCR, Mixed Use, Hotel, Apartment Buildings, 1-4 Family
Account Rep: Peter Aytug
Contact #: 718-707-0090
Link: www.YorkFunding.com

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
We Lend

We Lend

Products: Construction Loans, Hard Money, Commercial, NON QM, Rates 8.99%- upto 90%LTV Pur – 100% on Construction cost
Account Rep: Ruben Izgelov
Contact #: 917-815-1222
Email: [email protected]

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown
World Business Lenders, WBL

Business Loan Application

Asset List

Forms

PreQual Forms:
REO WorkSheet
Commercial Income Expense Breakdown

Scenario Help Desk Emails

Fairway

[email protected]

Flagstar

[email protected] – FHA
[email protected] – Conventional
Seller ID: 58798

Purchase Loan Programs

Refinance Loan Programs

Non-QM Programs

Commercial Loan Programs

Conventional, Fannie, Freddie, FHA and Jumbo

Matrix

Forms

PreQual Forms

FORMS

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AmWest Funding

FORMS

Approved Attorney List

Approved CEMA Attorney List

Setup Guide

Forms

Matrix

FORMS

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Matrix

Mortgage Clause

Forms

FORMS

Approved CEMA Attorney List

Mortgage Clause

Bank Attorney

Agency Coop Checklist

Forms

Matrix

Forms

Forms

FORMS

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Mortgagee Clause

Approved Coop Bank Attorney

Condo Approval Process

Forms

Construction Loan Forms

Scenario Help Desk Emails

Matrix

NY Attorney List

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Approved NY Attorney Listing

CEMA

New York Title and Closing Requirements

FORMS

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Mortgage Clause

RATES

FORMS

Forms

PreQual Forms:

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Mortgage Clause

Forms

Matrix

Mortgage Clause

Forms

Steps for ordering LE

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