Vontive (Certain Lending)

Basic information

QM program

N/A

Loss payee

Vontive, INC

CPL or subordinate clause

N/A

Lock policies & fees

Lock policies

Lock extension

0.25 bps (typical lock is 45 days)

Relock

N/A

Lock & Shop

No

Lender's niche & overlays

Lender's niche

Loan for real estate investors (1-10 unit residential)

Investment properties

Rates: 5.75%-7.50% DSCR 8.00%-12.0% Short-term Fees - $1,495 - $1,995 Closing Timeline: 15 business days DSCR - 10 business days

Credit Advantage: Soft credit pulls only for long-term loans—no hard inquiries, helping borrowers avoid potential credit score impacts. Credit report transfers are not accepted.

Lender's overlays

None

Lender turn time

Initial underwrite (days)

10

CTC conditions review (days)

2

Initial CD (days)

2

Reviews