Pwr TPO

This is a business to business page for mortgage brokers. Equal Housing Lender | NMLS ID #1124061 At PwrTPO, people drive our innovation.

PowerTPO, founded in January 2022 by Brett Arsta and Michael George, rebranded to PwrTPO in 2026 to reflect its ongoing commitment to empowering partners and strengthening relationships. As part of the Lower, LLC family, PwrTPO offers aggressive pricing, simplified processes, and top-tier service. Backed by a leadership team with over 150 years of combined mortgage experience, PwrTPO deeply unders

tands the needs of the TPO Community. The company serves both Mortgage Brokers and Independent Mortgage Bankers as a trusted agency lender, providing a seamless lending experience with a focus on delivering exceptional results. Our leadership team, with over 150 years of combined TPO experience, understands the foundation of true partnership. While we’re backed by a multi-channel fintech leader, recognized by Fast Company for innovation, our focus remains on empowering you through expert guidance and personalized support, enhanced by industry-leading technology. We believe in proactive collaboration. Our commitment extends beyond providing tools; we’re dedicated to understanding your specific needs and challenges. This allows us to tailor our support and leverage our technology in ways that directly contribute to your growth and success. We are building relationships, not just processing loans. EQUAL HOUSING LENDER | Lower, LLC dba PwrTPO | NMLS ID #1124061

09/02/2026

🚫 Myth: Non-QM Is Only for Fallout

Most LOs treat Non-QM as a rescue plan. The agency file blows up, the borrower is already under contract, and now it is a scramble.

That works. It is also the least valuable way to use this product.

The loan officers writing real Non-QM volume are not catching these loans, they are going after them. Investors buying their next rental. Self-employed borrowers whose tax returns do not reflect what they actually make. Financial planners and CPAs whose clients keep getting declined with no idea a solution exists.

None of them need rescuing. They just do not fit the agency box. The loan officer who structures the loan correctly from the beginning wins the relationship.

Stop waiting for the fallout. Go find the file.

Read more on PWR Wire 👉 https://www.pwrtpo.com/post/four-non-qm-myths-that-are-costing-you-volume

E𝘲𝘶𝘢𝘭 𝘏𝘰𝘶𝘴𝘪𝘯𝘨 𝘓𝘦𝘯𝘥𝘦𝘳 | 𝘕𝘔𝘓𝘚 𝘐𝘋 #1124061

09/01/2026

PwrTPO is heading to Newport!

We’re excited to share that Brett Arsta, Executive Managing Director & Co-Founder of PwrTPO, will be a featured speaker at The Newport Mortgage Leadership Voyage during the New England Mortgage Bankers Conference on September 16th.

Brett will join industry leaders for “The Blueprint for Success: How Top Wholesalers Are Winning”- a conversation focused on the strategies, shifts, and moves driving success in wholesale lending right now.

📅 September 16th
⏰ Brett’s Session: 1:00 PM EST

If you’ll be at the conference, be sure to catch the session and connect with Brett while you’re there!

09/01/2026

🚫Myth: Non-QM Equals DSCR

DSCR earned its reputation. No income docs, no employment, qualify on the rents. For an investor, it is hard to beat.

It does nothing for the self-employed borrower looking to do a cash out refinance. Or the 1099 contractor purchasing a second home. Or the borrower with real assets and no employment, buying a primary residence.

Those borrowers are not a DSCR file. They are the other half of PwrTPO’s robust lineup. What could these opportunities do for your relationships and pipeline?

Read the full article on PWR Wire 👉 https://www.pwrtpo.com/post/four-non-qm-myths-that-are-costing-you-volume

𝘌𝘲𝘶𝘢𝘭 𝘏𝘰𝘶𝘴𝘪𝘯𝘨 𝘓𝘦𝘯𝘥𝘦𝘳 | 𝘕𝘔𝘓𝘚 𝘐𝘋 #1124061

08/31/2026

🚫Myth: Non-QM Means No Documentation

Non-QM does not mean no documentation. It means different documentation.

Full doc. Streamline. Bank statement. 1099. Asset depletion. P&L. Six ways to document income, all inside one program.

Your self-employed borrower does not have a documentation problem. They have a calculation problem. Those are not the same thing, and 𝙋𝙧𝙞𝙢𝙚 𝙋𝙡𝙪𝙨 was built for the difference.

Read more on PWR Wire 👉 https://www.pwrtpo.com/blog

Talk to your Account Executive about where 𝙋𝙧𝙞𝙢𝙚 𝙋𝙡𝙪𝙨 fits your pipeline.

𝘌𝘲𝘶𝘢𝘭 𝘏𝘰𝘶𝘴𝘪𝘯𝘨 𝘓𝘦𝘯𝘥𝘦𝘳 | 𝘕𝘔𝘓𝘚 𝘐𝘋 #1124061

08/28/2026

🌟We're grateful for the trust our partners place in us every day. Your feedback helps us continue delivering the level of service you deserve.

If you've had a great experience working with PwrTPO, we'd love to hear from you. Share your feedback here 👇 https://lnkd.in/dTmyf4WJ

Thank you for being part of the PwrTPO family.

08/26/2026

Reserves 101: what actually counts 👇

✅ Checking & savings accounts
✅ Stocks, bonds, mutual funds, CDs, money market & trust accounts
✅ Vested retirement account balances less loan balances
✅ Cash value of a vested life insurance policy

❌ Unvested funds
❌ Funds only accessible at retirement, termination, or death
❌ Unlisted corporation stock
❌ Non-vested stock options or restricted stock
❌ Personal unsecured loans
❌ Rent-back credit

𝗣𝗿𝗼 𝗧𝗶𝗽: funds needed to close come out of your borrower's assets before reserves are calculated, so don't double-count!

Read more on PWR Wire👉 https://www.pwrtpo.com/blog

08/25/2026

Did you know a future pay raise may count as qualifying income? 📈

Under Fannie Mae guidelines, a documented pay increase may be used to qualify a borrower when:

✅ It's fixed base pay (no variable components)
✅ The loan is a purchase or limited cash-out refi
✅ The raise takes effect within 60 days of the note date
✅ The employer verifies it in writing (Form 1005 or equivalent)
✅ The borrower isn't employed by family or another interested party

If your borrower has a raise already on the books, this could open the door to a stronger qualifying picture.

Ask your PwrTPO AE how to document it correctly.

Read more on PWR Wire👉 https://www.pwrtpo.com/blog

08/24/2026

We’re excited to welcome 𝗕𝗼𝗯 𝗞𝗼𝗹𝗹𝗮𝗿 to the PwrTPO team as one of our new Senior Account Executives!

With decades of experience in mortgage lending, Bob brings a strong track record of building lasting client relationships, driving production growth, and helping partners exceed their sales goals. Known for his collaborative approach and commitment to operational excellence, he brings extensive knowledge across pricing, underwriting, compliance, and client engagement.

Bob is also a proven mentor and leader who believes high performance and strong relationships go hand in hand. We’re excited to have his experience, leadership, and client-first approach on the PwrTPO team.

Welcome to PwrTPO, Bob!

08/24/2026

Buy Now, Pay Later is showing up on more credit reports, and Fannie Mae, Freddie Mac, FHA, and VA don't treat it the same way.

𝗦𝗼𝗺𝗲 𝗸𝗲𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲𝘀:

• Fannie Mae, Freddie Mac & VA can exclude a BNPL balance from DTI if your borrower has verified liquid funds to pay it off in full.

• FHA does NOT offer that exclusion and won't let your borrower pay down a balance just to dodge the 10-month rule.

• Missing payment calculations range from 5% of the balance to actual account terms, depending on the agency.

Knowing which investor you're targeting before you assume a BNPL account won't count against your borrower. It can be the difference between a clean approval and a DTI surprise.

Read more on PWR Wire👉 https://www.pwrtpo.com/blog

𝘘𝘶𝘦𝘴𝘵𝘪𝘰𝘯𝘴 𝘰𝘯 𝘢 𝘧𝘪𝘭𝘦 𝘺𝘰𝘶'𝘳𝘦 𝘸𝘰𝘳𝘬𝘪𝘯𝘨? 𝘠𝘰𝘶𝘳 𝘗𝘸𝘳𝘛𝘗𝘖 𝘈𝘌 𝘪𝘴 𝘢 𝘤𝘢𝘭𝘭 𝘢𝘸𝘢𝘺.

Address

5950 Symphony Woods Road , Ste 312
Columbia, MD
21044

Website

https://www.pwrtpo.com/, https://www.instagram.com/pwr_tpo/

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09/02/2026

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08/31/2026

08/28/2026

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08/24/2026

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