Guideline Based
Our objective is consistent execution between all Underwriting Team Members. This allows for Highly Trained Professionals that are empowered to research agency guidelines and to confirm answers, not hit roadblocks.

Lending Support
For instances when Agency guidelines are broader or a scenario is more dynamic, our Lending Support team, composed of experienced underwriters, are able to assist and ensure that we are executing as efficiently as possible to the agencies and further drive consistent application of guidelines.

Non-Linear Approach
Our non-linear approach allows multiple parties to work in parallel to provide the most streamlined experience. Reduce roadblocks and compress turn-times by allowing files to be worked on by multiple teams at the same time.

Credit Underwriters Initial Approval
Our team of experienced credit underwriters are responsible for issuing the initial credit decisions on all files. To maintain a high volume of loan reviews each day, they are not responsible for clearing conditions.

Associate Underwriters Conditional Approval
Our team of Associate Underwriters review and clear conditions added by the Credit Underwriter at initial approval. The Associate Underwriters are empowered and trained to know what documentation is required to clear conditions, allowing review to be as efficient as possible.

Submit Early, Often and Responsibly
The Early, Often, and Responsibly philosophy takes full advantage of our underwriting team structure and our non-linear process. Once an initial approval is provided by a Credit Underwriter, our Processing Team and Associate Underwriters work together to have condition documents submitted and reviewed as they are provided, rather than hold submissions until all outstanding items are obtained. This allows us to compress our turn-times and provide constant forward momentum to move a loan toward being cleared for close.