REMN Wholesale

Basic information

QM program

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

Loss payee

HOMEOWNERS INSURANCE (INCLUDING HAZARD, FLOOD, WIND, HAIL, ETC.) ServiceMac, LLC ISAOA/ATIMA P.O. Box 29411 Phoenix, AZ 85038-9411

CPL or subordinate clause

TITLE INSURANCE AND CLOSING PROTECTION LETTER HomeBridge Financial Services, Inc. DBA Real Estate Mortgage Network ISAOA/ATIMA 99 Wood Avenue South Suite 301 Iselin, NJ 08830

Lock policies & fees

Lock policies

Lock extension

1 day free 2-7 days 0.125 8-15 days 0.25 16-30 days 0.5

Relock

N/A

Lock & Shop

Yes

Lender's niche & overlays

Lender's niche

3-2-1 buydowns

Heloc that close in 2 weeks digitally

Condotels
TBD underwrites and 24 hour income calculations
ITIN conventional (need EAD card and VISA)
LP Accept with any fico (MI needs 620)
100% VA cash out jumbo refer
1st and 2nd combo loans up to 89.99% CLTV
Pick from 16 AMC’s for govy loans
Can add 1500 TC fee to refi’s and purchases
DSCR (no ratio and use of VRBO rents)
Business and Personal Bank Statements (we calculate before disclosures) 90 ltv
1099 only (recent W2 conversion), Asset Depletion, P/L (no need for bank statement)
90ltv Jumbo
Manufacture homes (single wide too)
No Fico FHA or low fico (have done 560 fico refer)

Allow lender credit to cover BPC.

Lender's overlays

N/A

Lender turn time

Initial underwrite (days)

1

CTC conditions review (days)

1

Initial CD (days)

1

Reviews