Any lenders who will do a manual underwrite on a conventional Loan?

It depends on the reason for the 'Refer' designation. Can you elaborate as to the reason the file isn't passing the automated underwriting system? If you'd like, you can contact me by the phone or email listed on my profile.

A better question would be "why are you getting a refer?" A manual underwrite doesn't mean a refer will be over ridden... What is causing the issue?

recent credit inquiries and/or new accounts; avg age of accts; mortgage balances or no mtg history; % of accts with delinquencies.Credit inquires (16) are made by mortgage people & recently....no new acctsThey have been renting for 16 years but it states the aboveThey have 2 small collections-medical 1 for $435 & 1 for $66Has current score of 649 and about 38% dti It really is not a bad file just needs some explaining on the above but all lenders that I currently have want a DU approval and that's it.

Yes, we have a manual UW conventional product. Feel free to reach out if you would like to discuss more.