ResiCentral LLC

ResiCentral LLC ResiCentral, LLC is a wholesale and non delegated mortgage lender. NMLS #1907538 (www.nmlsconsumeraccess.org)

We work exclusively with licensed mortgage brokers and mortgage bankers and do not lend directly to consumers.

Built to Close isn't a tagline for us. It's a promise about how we work a file with you.One of our partners told us what...
06/22/2026

Built to Close isn't a tagline for us. It's a promise about how we work a file with you.

One of our partners told us what that looked like with Beverly Smith on our underwriting team: she listened when they questioned a condition, she explained instead of just stacking requirements, and she called before the approval to walk through it together.

That's the promise, kept. Thank you, Beverly, for showing what Built to Close really means.

06/18/2026

🎉 Tomorrow we honor Juneteenth – a day that celebrates freedom, resilience, and the ongoing pursuit of equality.

At ResiCentral, we're proud to observe this important federal holiday and reflect on its significance in American history.

While our offices will be closed tomorrow, our online portal remains available 24/7 for all your loan management needs.

Take time tomorrow to learn, reflect, and celebrate. Happy Juneteenth!

06/17/2026

The bank statement income figure you structure the deal around should be the one that holds through underwriting.

When the calculation is estimated at submission instead of confirmed before it, the result is conditions, corrections, and borrower conversations nobody wanted.

At ResiCentral, once the statements are in your hands you send them to us. We calculate income using the right expense factor for the right business type. Get them to us by 3:00 PM EST and you get a number back the same business day. Before the file is built. Before the deal is structured. Before any commitment is made.

First number. Right number.

Send us your next bank statement file. We will have your number back before the day is over.

06/10/2026

Here’s something I appreciate about Tracy Strollo. She makes the hard part feel manageable.

She doesn’t make a lot of noise about it. She just picks up the phone, answers the question, figures out what needs to happen next, and tells you straight.

A senior underwriter on our team recognized her recently. The words she used were responsive, patient, and knowledgeable. Simple as that. No long explanation needed, because anyone who’s worked with Tracy already knows what those three words mean.
That combination sounds basic until you’ve worked somewhere it doesn’t exist.

Tracy has been with ResiCentral for over a year now, and in that time, she’s become someone people trust and rely on. She shows up, follows through, and makes things easier for the people around her.

Tracy, we noticed. Glad you’re here.

Here are the people behind the close.



ResiCentral | NMLS #1907538 | Equal Housing Lender

06/08/2026

👉 Myth: Non-QM is for borrowers with credit problems.

Let me show you who is actually in our NQM Select pipeline right now.

➡️ A business owner with an 18-month-old LLC, strong cash flow, and a 730 credit score. Could not show qualifying income on a W-2 or tax return. Bank statements told the whole story.

➡️ A contractor who grossed $195,000 last year across seven 1099s. Conventional underwriting averaged two years of income and flagged the inconsistency between years. We used the most recent year only.

➡️ A physician three years out of residency with a complex income structure, a partner-track salary, and student debt that skewed her DTI on a conventional file. NQM structured it differently.

➡️ A retired couple with $2.4 million in assets and a $3,200/month pension. Zero W-2 income. Not a credit problem in sight. None of these are high-risk borrowers.

They are high-income borrowers who do not fit inside a box that was designed for a different economy.

NQM at ResiCentral is not a last resort product. It is a first-choice product for a growing borrower type that some of your competitors are not positioning for yet.

Which of these profiles looks like someone in your current pipeline?

Your next NQM approval might already be sitting in your pipeline. Contact your AE or get approved with ResiCentral, connect with our team, and let us run the scenario with you before you price it.

Delinquent federal tax debt doesn't automatically disqualify a borrower on FHA.Here's what FHA allows: a valid IRS repay...
05/26/2026

Delinquent federal tax debt doesn't automatically disqualify a borrower on FHA.

Here's what FHA allows: a valid IRS repayment agreement where the borrower has made at least 3 scheduled monthly payments on time. That's it.

The debt gets resolved without a full payoff.

Three things that matter here:
1️⃣ The borrower can't prepay to hit the 3-month mark. They need three actual monthly payments on schedule.
2️⃣ The monthly payment under the IRS agreement goes into the DTI.
3️⃣ If there's already a tax lien attached to the subject property, that lien still has to be paid off and released at closing. The payment plan addresses the debt... not a property lien already filed.

Send us a scenario if you've got one sitting in your pipeline. I'll get it priced out and we can see if there's a path forward.



This material is intended exclusively for mortgage professionals and is not authorized for consumer use or distribution. Standard underwriting terms and conditions apply, and loan approval is subject to qualification.

05/19/2026

Henry Pham got closing documents to escrow right after CTC came through. The lock was expiring, so the file needed to close that day. It did.

Once a deal closes, most people move straight to the next file. Whoever helped push it across the finish line usually does too. That's just the business sometimes.

Not this time.

The broker's processor on this file wrote a bravo for Henry. She didn't have to. The deal was done, her inbox was full, and she could've easily moved on with her day. Instead, she took the time to make sure we understood what an asset Henry is to our closing department.

People don't do that for someone who just checked the boxes. They do it because someone made them feel taken care of.

That's the difference between closing a deal and being the kind of person brokers want to work with again. Henry's that kind of person.

Meet the people behind your next close.



ResiCentral | NMLS #1907538 | Equal Housing Lender

05/14/2026

A borrower with a long-term roommate has more qualifying income than the application was built to show.

Effective March 14, 2025 per FHA Mortgagee Letter 2025-04, rental income from a boarder (a person renting a room inside the borrower’s dwelling unit) qualifies as effective income on a standard purchase. The test is specific.

1️⃣ 12 months of rental history.
2️⃣ Evidence of payment received in at least 9 of the last 12 months.
3️⃣ Bank statements, canceled checks, or deposit slips.
4️⃣ A written rental agreement.
5️⃣ The boarder’s address on their ID has to match the borrower’s.

Capped at 30% of total effective income. Works whether the borrower currently rents or owns the dwelling unit.

A renter of an ADU is not a boarder, that rule is separate.

Have you used boarder income to get a deal approved? Tell us below.

This material is intended exclusively for mortgage professionals and is not authorized for consumer use or distribution. Standard underwriting terms and conditions apply, and loan approval is subject to qualification.

05/05/2026

Nicola Lynch | Post-Closing

She hadn't even hit 90 days when her teammates already knew she was something special.

Nicola Lynch joined our post-closing team and hit the ground running from day one. From her first week, she was already making an impact. What she brought with her was hard to miss. Deep post-closing knowledge, real leadership presence, and a genuine desire to make everyone around her better.

Her team describe her as someone they can bring their toughest questions and concerns to, and she delivers every time.

That kind of impact, that early? It doesn't happen by accident. It happens when you hire the right people and give them room to shine.

Nicola, we see you. And so does every single person you work alongside. Thank you for everything you bring to this team.

This is what Built to Close looks like from the inside.

05/04/2026

May the 4th be with you on every loan you chase.
May your rate sheets be sharp and your timelines on pace.
May the docs come in early, may the title be clear,
May your pipeline be fuller than this time last year.

May your borrowers be ready and your closings on time,
And every last condition be easy to climb.
And when you need a lender who shows up and delivers,
ResiCentral's got you. No drama. No shivers.

Happy Star Wars Day from a team that's built to close. 🚀

ResiCentral | NMLS #1907538 | Equal Housing Lender

Address

700 Larkspur Landing Circle Suite 199/18
Larkspur, CA
94939

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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