• In-house/Delegated underwriting—turn times
  24-48 hours
• Underwriters problem-solve rather than pick apart
  a file
• Fully underwritten/cleared to close—2 weeks
• Availability from loan officers 24/7
• Loan officer takes the loan from the application to final approval
• High quality customer service for all borrowers
• Can originate FHA, VA, USDA, Conventional, NIFA
• Beat or match interest rates
• Make sure borrowers are well informed so the loan process is low stress
• Gift money—minimal documentation required—cleared check
• Minimal loan denial—close roughly 95% of loans submitted
  to underwriting
• If rates decrease during the loan process we have the option to switch investor banks and lock in a lower rate
• Low credit scores—Rapid Rescore option can potentially increase scores within 3 days once required documentation is acquired
• Borrowers with no credit score—option to use alternative trade lines (cannot make up for bad debt)
• Regent Loan Officers are independently licensed, unlike traditional Bank Loan Officers

John Estabrook
jestabrook@regentfinancial.com