An RMLO, underwriting, risk evaluation, and compliance service for creators of owner occupied and investor seller finance loans

Full Service RMLO, Underwriting, and Dodd-Frank Compliance Services

Owner-occupied loans and Investor loans

Single family | Mobile homes | Land

First position | Second Position | Wraps | Subto Loans

Voted #1 RMLO for Seller Finance in Best of Notes 2020, 2021, 2022, 2023, 2024 and 2025

NMLS #2671035
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What's included with each RMLO / underwriting package*:

Dodd-Frank Certification

Validation your borrower has the ability to repay the loan

Loan Estimate and Closing Disclosures

Required to be send to borrower 7 and 3 busienss days before closing to comply with TRID

Form 1008 Underwriting Summary

Shows borrower debt to income ratio and underwriting comments

Credit report

Includes credit score, open lines of credit, adverse items (collections accounts, late payments, etc)

Borrower loan application and income documentation / verification

We collect the loan application and income documentation from the borrower for you.

All documents and raw data collected during the underwriting process

At the end of process you'll receive a file with all data collected or generated during the origination process.

*We can also provide mortgage / note deed of trust documents for an additional fee, except for wrap and mobile home loans.

The process for working with us to underwrite a loan:

1. Find Your Borrower

Find a borrower, agree to sale price and loan terms, and complete an initial pre-screen to make sure there are no red flag issues with their income or credit

Prescreening Guide

2. Submit the Deal to Call The Underwriter

Submit a term sheet form HERE. You’ll receive a confirmation email back with links to send to your borrower for them to submit their loan application, credit authorization and income docs directly to us

Term Sheet Link

3. We Underwrite the File

Once we have everything, we’ll complete the underwrite in 24-48 hours. You’ll receive our recommendations, compliance profile, the Loan Estimate, and any required Loan Conditions to clear prior to closing.

4. Approve the Borrower

Once you have reviewed the underwriting and approved the loan, we'll send the Loan Estimate to the borrower and follow up with the Closing Disclosure.

5. Close the Deal

When the final invoicing is cleared we’ll send you the full underwriting package including: the Dodd-Frank certification, 1008 form, borrower credit report, loan application an income documentation, all data related to the file.

Ready for us to Start Underwriting Your Borrower?

If you have found a borrower, pre-screen them, and agreed to sale price, loan terms and fees - then get us started by clicking the button below to fill out the term sheet form.

Once we have received your form we will:

1/ Email the borrower(s) custom links to submit their loan application, authorization for us to do a soft credit pull and their income documention. We'll copy you on this email so you know they've received.

2/ Send you the initial invoice for $199

3/ Once we have all of the borrower information and the invoice is paid we will underwrite your deal in 1-2 business days.

SUBMIT A TERM SHEET

Yes, we have Spanish-speakers to assist your borrowers

If your borrower needs assistance filling out their application and providing their income documentation, we will reach out to them to arrange a time to work with them directly to complete the process

Call The Underwriter