Loan United Wholesale

Basic information

QM program

• Conventional
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• FHA 203(b)
• VA
• VA IRRRL
• VA High Balance
• VA Jumbo

Loss payee

• • Starting January 15, 2025• • LoanUnited.com LLC ISAOA/ATIMA PO Box 649 Alto, GA 30510 • Note: TX Files do not require the ISAOA/ATIMA verbiage Starting December 1st, 2026 LoanUnited.com, LLC ISAOA/ATIMA 3235 Satellite Blvd, Suite 314 Duluth, GA 30096

CPL or subordinate clause

• • Starting January 15, 2025• • LoanUnited.com LLC ISAOA/ATIMA PO Box 649 Alto, GA 30510 • Note: TX Files do not require the ISAOA/ATIMA verbiage Starting December 1st, 2026 LoanUnited.com, LLC ISAOA/ATIMA 3235 Satellite Blvd, Suite 314 Duluth, GA 30096

Lock policies & fees

Lock policies

Lock extension

Up to 30 days - cost of 0.03bps/day

Relock

Worst case plus 0.25 if within 30 days. After 30 days at current market.

Lock & Shop

No

Lender's niche & overlays

Lender's niche

VA down to 500 FICO & FHA down to 580 FICO. Includes manual UW on both.

Special CONV pricing below 300K.

Allow lender credit to cover BPC.

Lender's overlays

• No single-wide manufactured homes.
• We require the first pay stub when changing jobs in the middle of a loan.
• No condos in FL
• NO Principal Reductions allowed on FHA

Lender turn time

Initial underwrite (days)

2

CTC conditions review (days)

2

Initial CD (days)

1

Reviews