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

I have a "Refer with Caution" and looking for a mortgage lender who will do this. Please let me know. Thanks. by aagensis397 from Weslaco, Texas. Apr 30th 2014 Reply


Cody Velkovich (Cody_NEXA)
#162 ranked lender in Texas - 104 contributions

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.

Apr 30th 2014
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

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?

Apr 30th 2014
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Naomi Lantz Gonzalez (Naomi03)
#132 ranked lender in Texas - 5 contributions

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.

Apr 30th 2014
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Eric Vander Werff (Evanderwerff)
#23 ranked lender in Idaho - 5 contributions

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

Apr 30th 2014
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