READY TO APPROVE MORE BUYERS AND SELL MORE HOMES?

HOME BUILDERS: Do You Have Buyers That Were Turned Down?

BUILDER TURN DOWN PROGRAM

SUBMIT TURN DOWN SCENARIO

RECENT BUILDER WINS

BUILDER WINS

Do You Have Buyers That Were Turned Down?

Let Us Help You Give Your Buyers - A SECOND CHANCE!

SUBMIT TURN DOWN SCENARIO

24 HOUR TURNAROUND TIMES

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Let Us Help You Give Your Buyers - A SECOND CHANCE!

SUBMIT TURN DOWN SCENARIO

24 HOUR TURNAROUND TIMES

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• NO BUYER LEFT BEHIND •

Meet Your TURN DOWN EXPERTS!

nIKO kRAMER - nmls: 2180891

In this market you cannot afford to let any potential buyers fall through the cracks. Everyday Buyers are wrongfully denied, mostly due to lender negligence. I would love the opportunity to help and see if I can get those Buyers Approved to purchase a Home with you!

• NO BUYER LEFT BEHIND •

Meet Your TURN DOWN EXPERTS!

nIKO kRAMER - nmls: 2180891

Let's Talk About Why Loans Can be Wrongfully Denied

Not Enough Income?

What if your Buyer doesn't budget on their own for the home or are right on the threshold? We can look at adding "Non-Occupant Co-Borrowers" to get them from Denied to Approved. We also look at raising credit scores to improve interest rates, First time buyer programs and more. Our goal is to figure out how to get them approved, not how to "Deny" them.

Self-Employed Buyers?

Probably one of the largest pools of Turn Downs are Self-Employed buyers. These deals I receive weekly from Realtors, knowing how to structure a Self-Employed borrowers file is not very common. Most lenders think you need 2 years of taxes, which is not always the case. Quite often we are approving Self-Employed borrowers with only 1 year of taxes. Too many write offs? We can approve them through our "1099" or "Bank Statement" Loan programs.

Is Low Credit a Deal Breaker?

No it is not, when I review credit we look at potential score increases. 20 points can make a world of difference to interest rates and Pre-Approvals. I look at all 3 bureaus and use our in house Credit software to find the best solution. Government Loans do not have a minimum credit score.

Does Your Buyer Have a Foreclosure or Bankruptcy?

Not all foreclosures, short sales or even bankruptcy's are created equal. We have Second chance programs and even ways to help move the process along so we can approve them even faster.

Do All Lenders Look at Mortgage Applications the Same?

Not at all, Just like Real Estate Agents, not all Lenders are equal. Most Lenders will have one person, maybe two look at a Loan Application before "Turning it down". When I look at a potential loan, I look at every angle possible and when I run into a potential issue, I cross reference with Funded Loans and our Turn Down team. We have a combined 50+ years of Mortgage Loan experience in just our Leadership team, that's not counting our Loan Officers.