WHOLESALE MORTGAGE / KEEP THE LANES CLEAR
Different mortgages.
Different questions.
Explore familiar mortgage programs and more specialized paths. Open a product card for its purpose, key questions and a focused conversation.
Prepare a mortgage briefPROGRAM LENSES
Start with the lane
that fits the question.
Open a card with a click or keyboard to explore its purpose and key questions. These guides are not quotes or eligibility decisions.
Home purchase & refinance
Three familiar pathways. Borrower, property and lender review still matter.
01ConventionalAgency pathway
A home purchase or refinance path outside government-insured programs.
How do the property, documentation and mortgage insurance affect the full cost?
Not government-insured or guaranteed. Conventional loans may be conforming or nonconforming. Compare the property, documentation, payment, mortgage insurance and actual lender terms.
- Verify
- Borrower profile, property type, occupancy, income, assets, and current lender overlays.
- Keep separate
- A product label is not a quote, approval, or promise of terms.
02FHAGovernment-insured pathway
A government-insured path through an approved lender.
What do mortgage insurance, upfront costs and property review add to the picture?
FHA insures loans from approved lenders. Borrower and property review still apply. Discuss mortgage insurance, upfront costs, the full monthly payment and current lender requirements.
- Verify
- Property condition, occupancy, borrower documentation, insurance, and current FHA/lender guidance.
- Keep separate
- Insurance and program requirements can affect the payment and closing picture.
03VAEligible-borrower pathway
A private-lender mortgage backed by a VA guaranty.
What has benefit eligibility established—and what still needs lender review?
A Certificate of Eligibility addresses benefit eligibility. Credit, income, occupancy, property review and lender requirements still matter.
- Verify
- Eligibility, entitlement, occupancy, property requirements, income, assets, and lender overlays.
- Keep separate
- Service eligibility does not by itself establish approval or final terms.
Different documentation. Different obligations.
Keep alternative income review and reverse-mortgage equity questions separate.
04Non-QMAlternative documentation
A separate path when income or assets need a different documentation approach.
How is the income method documented, and what changes the repayment risk?
Non-QM means outside the Qualified Mortgage criteria—not no documentation or automatic approval. Review income or asset evaluation, fees, term, payment features and repayment risk.
- Verify
- Income method, assets, reserves, property, occupancy, credit, documentation, and current provider access.
- Keep separate
- Specialized does not mean automatic; terms and risk can differ materially.
05ReverseOlder-homeowner focus
Home-equity borrowing with distinct ongoing obligations.
How do costs, a growing balance and repayment events fit the long-term plan?
A reverse mortgage borrows against home equity. HECM borrowers must pay property taxes and insurance and meet occupancy and maintenance obligations. Review counseling, costs, growing balances and repayment events.
- Verify
- Age, occupancy, counseling, property eligibility, existing liens, taxes, insurance, and repayment triggers.
- Keep separate
- Equity access, obligations, and future repayment questions need plain-language review.
Project-based capital
A separate conversation about the asset, the work and the exit.
06Private moneyAsset-led capital
Project capital organized around the property, the work and the exit.
How will maturity, draws, fees and the payoff plan work?
Keep project capital separate from consumer mortgage assumptions. Review collateral, scope, budget, timeline, fees, maturity, draw process and the exit with the proposed lender.
- Verify
- Collateral, project, timeline, exit plan, entity, valuation, fees, term, and the responsible capital source.
- Keep separate
- Private money is not a substitute for consumer-program disclosures or assumptions.
A BETTER HANDOFF
Keep the facts separate from the promise.
Property details, borrower context, income documentation, timing, and intended use should be visible before specific program claims are made.
Prepare a useful first conversation.
Start with your goal, property use, timing, and the questions you need answered. Then review the appropriate lender’s current documentation, costs, terms, and conditions before applying.
Build a mortgage discussion outline