Agent Application Link

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21-30 days. Construction loans, 45-60 days. Fix and flip loans, 10 days.  HELOCS/HeLOANS 15-30 days. 

Of course, Clients must have 800 FICOs, $200k in the bank, and earn at least $750k annually, ha 😊 

I work with 400-800 FICOs, moderate to high income, FTHB to experienced investors. 40-50% of my clientele are FTHBs, the rest are repeat buyers, second mortgages, and refinances. 

Full review of income, credit, and assets to issue a full pre-approval, no cutting corners, no pre-quals. Borrower must provide requested docs within 3 days of completing the application. Upfront credit report fee is $60 per borrower, for married borrowers, $95. 

Upon receipt of all requested docs, pre-approval will be obtained within 1-3 business days. Both you and our client will know the maximum purchase price as well as the max price to not exceed their max mortgage payment threshold. 

You will receive a full offer package via email with the type of loan, approximate COE, and pre-approval letter. 

California Agents will also automatically receive DU/LP (if applicable), POF, and FICO scores.  

These items are available to any Agent upon request. 

· FHA and VA 580

· Conventional 620 

· HELOCS & HeLOANS 640

· Non-QM 580

· Commercial 620

· Hard money, no FICO score requirement

Please see the services tab (second tab at the top right of the page).