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.

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

Catching the funding fee exemption early changes the entire cost conversation with your borrower.Veterans receiving any ...
04/28/2026

Catching the funding fee exemption early changes the entire cost conversation with your borrower.

Veterans receiving any level of VA disability compensation are fully exempt from the funding fee. Same goes for surviving spouses receiving DIC.

On a $400,000 zero-down purchase, that exemption is worth $8,600.

It shows up on the COE. Get to it before fees are discussed and you are setting the whole deal up differently from the start.

A 10% rating is more common among Veterans than most people assume. Finding out early whether your VA borrower has a disability rating can save them real money and make the whole file run smoother.



Intended for mortgage and real estate professionals only. Not for consumer use or distribution. This is not an advertisement as defined by Regulation Z. ResiCentral, LLC is a licensed mortgage lender.

04/23/2026

Somewhere right now, a loan is sitting in docs waiting to go out.

ResiCentral is hiring experienced Government Doc Specialists for our wholesale team.

If you've spent 2+ years drawing FHA and VA docs in Encompass, you know what a clean file looks like before you ever hit draw.

That's exactly what we're looking for.

Your role here is focused, you're not wearing five hats. We have closing support specialists, a dedicated CD team, and funders. You're not fixing everyone else's work before you can do your job. Your job is singular and clear: draw docs with precision.

⚡ Built to Close

What to expect:
📍 Remote (East Coast and West Coast)
- A focused role built around one thing: drawing docs
- Dedicated teams handling CDs, closing support, and funding
- Leadership that knows docs is the last mile, not an afterthought

Message us if you are interested


04/20/2026

With Jumbo cash-out at ResiCentral, you get both.

Jumbo Premier goes up to $500,000 cash-out at or above 60% LTV, with unlimited below that. Up to 80% LTV on primary residence. Jumbo Advantage and Edge round out the options at $500,000 max.

And every single person behind your file, from the front end to the finish line, is built to close and working toward one goal: your borrower at the closing table.

Ready to close your next jumbo cash-out? We're ready when you are, reach out.

VA DTI is one of those areas where the standard guideline often scares people away from perfectly good files.The 41% num...
04/15/2026

VA DTI is one of those areas where the standard guideline often scares people away from perfectly good files.

The 41% number is the starting point, but it is certainly not the finish line.

We’re consistently seeing success well into the 50s when the residual income is strong and the AUS gives us the green light.

At ResiCentral, we’re very comfortable with these scenarios because we know how to lean into the residual math that actually gets the deal done.

If you are looking at a deal that feels heavy on the DTI, don’t sideline it. Let’s look at the numbers together and see if we can get your borrower home.

04/14/2026

You know that moment where a bank statement deal just … stalls?

You have the bank statements, and you are ready to rock, but everything grinds to a halt while you wait for the income calculation.

The bank statement bottleneck is officially over.

We moved away from sifting through hundreds of pages manually.

With our new workflow, we are turning around income calculations in hours, not days.

➡️ By 3:00 p.m. EST: Same day turnaround.
➡️ After 3:00 p.m. EST: Ready by the next morning.

Send us your statements before you formally submit.

We will give you a clear number so you can hit submission with total confidence.

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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