Pwr TPO

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 weโ€™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; weโ€™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

Missed the ARIVE Spotlight? The recording is up. ๐ŸŽฅWatch Brigette and Jeff break down the PwrTPO + ARIVE workflow live, p...
06/18/2026

Missed the ARIVE Spotlight? The recording is up. ๐ŸŽฅ

Watch Brigette and Jeff break down the PwrTPO + ARIVE workflow live, plus catch Coach Micheal Burt's coaching session on building real momentum in your business.

๐ŸŽฌ Watch it here: pwrtpo.com/about-powertpo/who-we-are

Equal Housing Lender | NMLS ID #1124061

Less switching between systems. More time closing loans. ๐Ÿ™ŒSubmit docs to PwrTPO straight from ARIVE. Here's how it works...
06/17/2026

Less switching between systems. More time closing loans. ๐Ÿ™Œ

Submit docs to PwrTPO straight from ARIVE. Here's how it works.

Full walkthrough on the PWR Wire ๐Ÿ‘‰ https://www.pwrtpo.com/blog

Equal Housing Lender | NMLS ID #1124061

Skip the extra steps. ๐Ÿ‘‡If you're using ARIVE, you can register your loans with PwrTPO directly from the platform.Full wa...
06/16/2026

Skip the extra steps. ๐Ÿ‘‡

If you're using ARIVE, you can register your loans with PwrTPO directly from the platform.

Full walkthrough on the PWR Wire ๐Ÿ‘‰ https://www.pwrtpo.com/blog

Equal Housing Lender | NMLS ID #1124061

Tomorrow is the day. ๐ŸŽ™๏ธPwrTPO is featured in the ARIVE Partner Spotlight and we want you there.Join Brigette Dobson, Jef...
06/15/2026

Tomorrow is the day. ๐ŸŽ™๏ธ

PwrTPO is featured in the ARIVE Partner Spotlight and we want you there.

Join Brigette Dobson, Jeff Lochmandy, and Coach Micheal Burt for ๐—™๐—น๐—ถ๐—ฝ ๐˜๐—ต๐—ฒ ๐—ฆ๐˜„๐—ถ๐˜๐—ฐ๐—ต: ๐—•๐˜‚๐—ถ๐—น๐—ฑ๐—ถ๐—ป๐—ด ๐—ฎ ๐—™๐—น๐˜†๐˜„๐—ต๐—ฒ๐—ฒ๐—น ๐—ผ๐—ณ ๐— ๐—ผ๐—บ๐—ฒ๐—ป๐˜๐˜‚๐—บ .

Plus, stick around for where we'll show you exactly how PwrTPO streamlines pricing, registration, and initial docs inside ARIVE. We'll be sharing our story, what we stand for, and what makes PwrTPO a different kind of wholesale partner.

If you've been curious about how to simplify your workflow, grow your pipeline, or find the right lending partner to do it with, you don't want to miss this!

๐Ÿ“… Tuesday, June 16 | 10 AM PT / 1 PM ET ๐Ÿ”— Register here: https://us06web.zoom.us/webinar/register/WN_GXpBV-ruTmCmmbQw47FVpQ #/

Equal Housing Lender | NMLS ID #1124061

06/12/2026
DSCR isn't a niche product anymore and the data proves it. ๐Ÿ“ŠHere's what 2025 showed us:๐Ÿ“Œ Investors bought 33โ€“34% of all ...
06/11/2026

DSCR isn't a niche product anymore and the data proves it. ๐Ÿ“Š

Here's what 2025 showed us:

๐Ÿ“Œ Investors bought 33โ€“34% of all U.S. single-family homes sold in Q2 & Q3 2025, the highest investor share in 5+ years

๐Ÿ“Œ 96% of investment properties are owned by small investors with 1โ€“10 properties. Average investor owns just 3. (That's your client.)

๐Ÿ“Œ Non-QM securitization hit record levels in 2025. DSCR = ~30% of all non-QM volume

๐Ÿ“Œ DSCR securitization grew 48.5% year-over-year in Q1 2025

The secondary market has validated this product. Institutional capital is chasing it.

Your investor clients need it. We built the programs to close it.

Read more on PWR Wire ๐Ÿ‘‰ https://www.pwrtpo.com/blog

DSCR lending explained and why it's one of the most important tools in your broker toolkit right now.DSCR stands for Deb...
06/10/2026

DSCR lending explained and why it's one of the most important tools in your broker toolkit right now.

DSCR stands for Debt Service Coverage Ratio. The formula is simple:

Gross Monthly Rental Income รท PITIA (principal, interest, taxes, insurance, HOA) = DSCR

A ratio of 1.0 means the property breaks even. Above 1.0 means positive cash flow. That number, not your client's W-2, not their adjusted gross income, not their employment history ๐Ÿ‘‰ is how the loan qualifies.

Here's who this product is built for:

โœ… The investor whose tax strategy suppresses their reported income
โœ… The portfolio builder who's hit the Fannie Mae 10-property limit
โœ… The short-term rental operator without traditional lease agreements
โœ… The first-time investor who's strong financially but doesn't have rental history

๐Ÿšซ What DSCR is not- it isn't a bridge loan, a hard money product, or a short-term workaround. It's permanent, long-term financing built for investors who want to own rental properties as a wealth-building strategy.

Your clients are building portfolios. We built the programs to help you close those deals.

Read more on PWR Wire ๐Ÿ‘‰ https://www.pwrtpo.com/blog

Contact your AE to discuss current program guidelines.

Have you had an investor client who couldn't qualify for another property, not because they couldn't afford it, but beca...
06/09/2026

Have you had an investor client who couldn't qualify for another property, not because they couldn't afford it, but because their income documentation didn't fit the conventional box?

That's not a deal left on the table. That's a DSCR deal."

What qualifies a DSCR loan? The property. Not the borrower's employment history or personal income.

If the rental income covers the debt, the deal has a path forward. PwrTPO's DSCR program keeps it simple for investors who are tired of jumping through hoops. We have the people, the process, and the Non-QM expertise to help you close more investor loans.
Single-family rentals. Multi-unit properties. Short-term rentals. Portfolio investors beyond the conventional limit.

Full breakdown on the PWR Wire: https://www.pwrtpo.com/blog

Contact your PwrTPO Account Executive or visit pwrtpo.com to learn more.

A quick one for our military families and the mortgage professionals who serve them. ๐ŸŽ–๏ธDid you know VA allows an active-...
06/03/2026

A quick one for our military families and the mortgage professionals who serve them. ๐ŸŽ–๏ธ

Did you know VA allows an active-duty service member to purchase their retirement home UP TO 12 MONTHS before they officially retire?

The rule is in VA Pamphlet 26-7- the official VA Lender's Handbook. The key requirements:

๐Ÿ“Œ A specific, firm retirement date (not "sometime soon")
๐Ÿ“Œ A verified, documented application for retirement already submitted

That's it! With those two things in place, your veteran can buy now and settle in before the transition is complete.

So many service members want to establish roots before they leave active duty. VA built this provision into the handbook to make that possible.

Know a transitioning veteran? Share this. ๐Ÿ‘‡
๐Ÿ‘‰ Full breakdown on the PWR Wire- plus FHA and USDA scenarios too: https://www.pwrtpo.com/blog

Address

5950 Symphony Woods Road , Ste 312
Columbia, MD
21044

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