Wholesale Mortgage Lending

09/03/2026

Every brokerage eventually asks the same question: stay a broker or build out into a full IMB. Non-Delegated Correspondent is the option that usually gets skipped over in that conversation, a way to gain more control without walking away from the relationship already in place. It runs alongside Whol...

09/03/2026

As of August 3, 2026, Fannie Mae retired its Limited Review process and Freddie Mac retired Streamlined Review, the fast-track paths that let a condo project skip a full underwriting deep-dive when a borrower put enough down. That shortcut is gone now, regardless of down payment size, and every condo project goes through Full Review instead.

The projects most likely to get caught are the ones that were always a little non-warrantable: active litigation, high investor concentration, a commercial space on the ground floor, delinquent HOA dues. Those used to slide through on a Limited or Streamlined Review. Now they don't.

That's exactly what PRMG's Non-QM programs are built for. DSCR and Income Qualifying both finance non-warrantable condos directly, up to 80% LTV on Income Qualifying and up to 75% LTV on DSCR, with no cap on the number of non-warrantable items a project has.

Litigation is fine as long as it's non-structural and doesn't threaten marketability. Investor concentration up to 100% is fine. Single entity ownership up to 30% is fine. HOA dues delinquency up to 20% of units is fine. None of it stops the file.

The Alternative AUS Solution covers non-warrantable condos too, at up to 70% LTV, for the DU 'Ineligible' loans that just need a different investor, not a different borrower.

Worth flagging any condo file already in the pipeline against these new rules, rather than assuming it clears review the way it would have a few months ago.

Save this and share it with a loan officer who has a condo file in their pipeline.

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09/01/2026

Lets go. NON QM = FUNDINGS

Non-QM wasn't just built for credit challenged borrowers. It was built for borrowers the conventional box was never built for. Picture a borrower who owns four short-term rentals across two states. Her personal tax return shows almost no income, because every property is structured to minimize it. A...

08/28/2026

Here's the decision most loan officers never actually make themselves: they let the AUS make it for them. If the system returns an eligible waiver, it gets accepted, no second thought given to whether the borrower or the deal is actually better served by skipping it.

Picture a purchase in a neighborhood where comps are inconsistent, or a borrower who negotiated hard on price and would benefit from an appraisal coming in low enough to renegotiate. Take the waiver automatically in either scenario, and the file closes faster while quietly removing a tool that could have worked in the borrower's favor.

Eligibility from Fannie Mae or Freddie Mac also isn't the same as approval from every investor or every loan type. Some overlays still call for a full appraisal regardless of what the AUS returns, which means the decision isn't as automatic as the eligibility flag makes it look.

The fastest path isn't always the best one. Before you accept a waiver by default, ask what the borrower actually needs out of the valuation, not just what the system is willing to skip.

Save this and share it with a loan officer who takes every eligible waiver automatically.
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08/26/2026

This is where a lot of loan officers underestimate their own pipeline. A retiree who says 'I don't have a paycheck anymore, but I'm comfortable' isn't handing you a decline. They're handing you a program, if you know to look for it.

The financial advisors, wealth managers, estate attorneys, and CPAs already active in your market are having these conversations every week. They just haven't been thinking of their clients as mortgage-ready, because most lenders never gave them a reason to. One relationship with an advisor who works with retirees can generate more of this business than a season of general marketing, because that advisor is already sitting across from the exact borrower this program was built for.

The same mismatch shows up in a client who just sold a business. The proceeds are sitting in an account, not yet restructured into anything that looks like income, and the timeline to buy a home doesn't always wait for that to happen. Different life stage, same fix.

Before you decline on income, run the numbers a different way. A pay stub is one version of a borrower's financial picture. It isn't the only one, and it isn't always the accurate one.

Save this and share it with a loan officer working with retirees or high-net-worth clients.
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08/21/2026

Non-QM wasn't just built for credit challenged borrowers. It was built for borrowers the conventional box was never built for.

Picture a borrower who owns four short-term rentals across two states. Her personal tax return shows almost no income, because every property is structured to minimize it. A conventional lender looks at that return and sees a low-income borrower who barely qualifies for anything. An investor-focused lender looks at her portfolio and sees four cash-flowing assets carrying themselves. DSCR qualifies the deal on the property's income against the payment, not her personal return, so her actual finances never have to be the obstacle.

As she scales past four properties, the questions get more specific: loan amount capacity, reserve requirements, how many financed properties she can carry at once. Those aren't dealbreakers. They're structure questions, and they have answers.

She isn't a hard file. She's a well-qualified investor who's been asking the wrong lender the right questions. The right lender already built the program for her.

Save this and share it with a loan officer working with investors.

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08/19/2026

Sometimes a deal doesn't fall apart due to the interest rate. It falls apart at the parts nobody double-checked, and right now, insurance is one of the biggest ones.

2026 marks the fifth straight year of rising homeowners insurance premiums, with the national average climbing to roughly $3,057 a year. In higher-risk states, the number is far more dramatic. Florida homeowners are commonly paying $5,500 to $11,000 a year depending on the county and proximity to the coast. Insurance is part of the housing payment that gets factored into DTI, which means a premium that comes in higher than what was estimated at pre-approval can push a borrower's ratio past the line by the time they're ready to close.

The gap usually shows up in predictable places: a pre-approval built on an estimated premium from months earlier, a property in a higher-risk zone the borrower didn't budget for, or an actual insurance quote that lands well above what everyone assumed. Getting a real quote early in the process, instead of an estimate, catches the problem while there's still time to work around it.

The rate gets all the attention. The insurance bill is what's quietly deciding whether the math still works.

Save this and use it on your next file in a higher insurance-cost area.
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08/15/2026

White says the HOAs and realtors who don't understand the new rules need an expert, and brokers who step up will own the referral

08/15/2026

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