Loanhouse

Basic information

QM program

N/A

Loss payee

Loanhouse Mortgage Capital, Inc., ISAOA ATIMA, 200 East Las Olas Blvd. STE 1270, Fort Lauderdale, FL 33301.

CPL or subordinate clause

Loanhouse Mortgage Capital, Inc., ISAOA ATIMA, 200 East Las Olas Blvd. STE 1270, Fort Lauderdale, FL 33301.

Lock policies & fees

Lock policies

Lock extension

5 days = .15 cost, 10 days = .30, 15 days = .45, 20 days= .60, 30 days = .90 cost

Relock

Current market after 30 days of lock expiration.

Lock & Shop

No

Lender's niche & overlays

Lender's niche

LOiS is our proprietary PPE and LOS that simplifies the entire loan process — from pricing and submission to disclosures and closing — making it seamless for our partners every step of the way.  

LOiS gives you access to 2,500+ Non-QM products, helping you find best execution across both pricing and borrower eligibility.

**Contact AE for user credentials**

Bank Statement & Full Doc starting at 620 FICO, DCSR starting at 640 FICO, Soft pull credit report accepted (avoid trigger leads), Loan amounts to $4M, One year income qualifying, Foreign Nationals, ITIN, DACA, Non- warrantable condos, condotels, short term rentals, rural properties. 90% LTV purchase or rate/term, Asset Depletion, VOE, P&L, DSCR No ratio, 5 to 10 units, mixed used allowed, Non-QM stand-alone 2nd and piggyback.

Allow lender credit to cover BPC.

Lender's overlays

None

Lender turn time

Initial underwrite (days)

N/A

CTC conditions review (days)

N/A

Initial CD (days)

N/A

Reviews