For Realtors
Close the deals other lenders can't
Construction. Renovation. VA OTC. Bank-statement self-employed. The files that turn into ‘we'll have to pass' at most lenders close cleanly here.
Why agents send us their tougher deals
Most lenders are great at conventional purchases and clean refis. When a file is anything else — a Veteran wanting to build, a self-employed buyer whose tax returns don't reflect income, a buyer pulling cash out to renovate a tear-down — the experience falls apart. The loan officer goes quiet, the timeline slips, and your client starts losing trust in the process.
Our team is structured around the harder products: VA One-Time Close construction, FHA 203(k), renovation, Non-QM, jumbo. We don't avoid these — they're our specialty. And the muscle we built underwriting hard files makes the simple ones close faster too.
What we deliver to your clients
Every major program in-house
Purchase, refinance, VA OTC construction, FHA 203(k), USDA, conventional, jumbo, Non-QM Bank Statement & DSCR. We pick the right program; you write the right offer.
Direct delegation, not wholesale
We underwrite, approve, and close in-house on every major product. Your file isn't shipped out to wait in someone else's queue — which means we close on time, every time.
Pre-approvals that mean something
Real pre-approvals: credit pulled, income verified, AUS-approved. Not a 5-minute pre-qual that crumbles in underwriting. Sellers in competitive markets recognize the difference.
Responsive communication
You get kept in the loop — pre-approval, contract, appraisal, underwriting milestones, clear-to-close. No surprises at the closing table.
Co-marketing & education
Lunch-and-learns for your team, joint open houses, Veteran-focused outreach, content for your social. We invest in the partnerships that drive volume.
VA OTC as a real differentiator
Very few lenders do VA Construction. If you have a Veteran client interested in building on a lot they've found, partnering with us turns 'I can't' into a written offer.
The tough scenarios where we shine
- VA construction — your Veteran client wants to build on a piece of land. Most lenders won't quote it. We close them every month.
- Self-employed without clean tax returns — Non-QM Bank Statement qualifies on 12–24 months of deposits instead of returns.
- Fixer-upper purchases — FHA 203(k), HomeStyle, ChoiceRenovation, VA Reno, or USDA Reno — every renovation program is direct PRMI.
- Recent credit event (bankruptcy, foreclosure, short sale) — we know the seasoning rules cold by program. See our comparison guides.
- High-balance / Jumbo — direct PRMI Jumbo up to $3M+ with full delegation. No wholesale handoff slowing the close.
- Investment property — Non-QM DSCR qualifies on the property's rental income, not the borrower's DTI.
- Tight DTI files — student loans, alimony, business expenses — we know which program treats each one most favorably.
Let's talk
Send us a deal scenario you've been struggling to place, or just introduce yourself and let us know your typical client mix. We respond within one business day.
