Enter Title

Lender

100

This lender offers a Foreign National Programs for investors.

A&D mortgage

200

This lender has a weekly Wednesday huddle

UWM

300

The lender that has a blended FICO score option

Logan Finance

400

This lender does reverese mortgages

Plaza 

500

This lender has fast turn times, offers free credit reports and will sponsor training on campus

United Wholesale Mortgage

Application

100

This is the minimum amount of years an applicant should show for their home address on the loan applicaiton

2 years

200

To initiate a loan application under TRID rules, the borrower must provide the mortgage broker with this information:

Name

income

social security number

address of the property

 the estimated value of the property, 

and desired mortgage amount.

300

These are the two Loan Operating Systems used by CMS to take an application

Blink or Arive

400

If a client is using a business account to show income, this should be requested

LLC docs and CPA letter

500

These are the 5 basic documents you should request from clients for the loan application

ID, 2 most recent paystubs, 2 most recent asset statment, 2 most recent W2s and 2 most most recent tax returns

CMS

100

This individual will assist you with your loans from submission to closing

Mel Kennedy (processor)

200

I will reach out to this person if I need asssitance with a loan setup/ structure

Renaldo Elvey

300

I can email or call this person when I need to register for a class, go thorugh onboarding, need assistance with marketing material or find out about upcoming events

Rehanna Ebrahim

400

When I have a question about Arrive or Blink, I can reach out to these three people

Renaldo/ Myesha or Mel

500

This is where I can send my clients for info on the company or to fill out an application

www.creativemsc.com

Loan Programs

100

I can use this loan program if my clients have a credit score between 580 and 620, are a first time home buyer and would like to put down a minimal downpayment

FHA

200

You can use this loan program to qualify a borrower without using his/her income, but rater the income produced by the property

Death Service Coverage Ratio

300

I can suggest this loan program if my client does not recieve paystubs and are self empoyed for a minimum of 2 years and has credit socre of 640 and above.

Bank statement or Profit and Loss statement loan

400

This loan program is popular amongst military applicants 

VA

500

My client can put down as low as 3% if they have a credit score of 620 and above

Conventional