Loan United: wholesale and non-delegated correspondent mortgage lender for FHA, VA and Conventional loans

FHA

FHA loans down to 500

FHA guidelines allow it, and so do we.

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FHA loans at a glance

  • Down to 500 FICO
  • Approve/Eligible: DTI per AUS.
    Manuals: Follow HUD 4000.1.
  • One FICO Soft Pull FHA Streamlines
VA

VA loans down to 500

Serving those who served us.

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VA loans at a glance

  • Down to 500 FICO
  • Manual Underwrites up to 60% DTI
  • One FICO Soft Pull VA IRRRL
Conventional

Conventional loans down to 500

The most common and widely used mortgage product.

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Conventional loans at a glance

  • AUS: Approve/Eligible only
  • Under 620 FICO: Max LTV 80%
  • Purchase, Rate/Term, Cash-Out
FHAPurchase
Refinance
Streamline VAPurchase
IRRRL
Cash-out ConventionalPurchase
Rate/term
Cash-out Two channelsWholesale
Non-delegated correspondent 41 statesLicensed in 41 states, including DC

Wholesale and non-delegated correspondent lending.

We fund FHA, VA and Conventional loans in 41 states. For licensed mortgage brokers and correspondents only. Not available to consumers.

580FICO
500850
Plenty of room to work.FHA, VA and Conventional are all open at this score.

Three programs. One lender to send them to.

Keep your borrower with you from first conversation to closing, whatever loan they need. Our guidelines reach down to a 500 score on eligible loans.

FHA

For first-time buyers and lower credit

  • Low down payment options
  • Purchase and refinance
  • Streamline and cash-out options

VA

For veterans and active service members

  • No down payment for eligible borrowers
  • Purchase and IRRRL
  • Cash-out refinance

Conventional

For borrowers who don’t fit FHA or VA

  • Purchase, rate-term and cash-out
  • Primary, second home and investment
  • Flexible documentation paths

Two ways to work with us.

Choose the channel that fits how you originate and close loans.

Wholesale

For mortgage brokers

  • You originate and process the transaction
  • We underwrite, close and fund the loan
  • FHA, VA and Conventional programs

Non-delegated correspondent

For correspondent lenders

  • You originate, process and close in your own name
  • We underwrite every loan before we purchase it
  • FHA, VA and Conventional programs

Get approved in three steps.

Apply as a wholesale broker or a non-delegated correspondent.

  1. Complete your application

    Fill out your broker application in Comergence.

  2. We review it

    Our team reviews your application.

  3. Submit your first loan

    Log in to the portal, price the loan and register it.

41

States we’re licensed in.

Send us loans from wherever your borrowers live. Select a state to see its license.

View all licenses
AlabamaALAlaskaAKArizonaAZColoradoCOFloridaFLGeorgiaGAIndianaINKansasKSMaineMEMassachusettsMinnesotaMNNew JerseyNorth CarolinaNCNorth DakotaNDOklahomaOKPennsylvaniaPASouth DakotaSDTexasTXWyomingWYConnecticutMissouriMOWest VirginiaIllinoisILNew MexicoNMArkansasARCaliforniaCADelawareDistrict of ColumbiaHawaiiIowaIAKentuckyKYMarylandMichiganMIMississippiMSMontanaMTNew HampshireNew YorkNYOhioOHOregonORTennesseeTNUtahUTVirginiaVAWashingtonWAWisconsinWINebraskaNESouth CarolinaSCIdahoIDNevadaNVVermontLouisianaLARhode Island
LicensedNot licensed

Ready to partner with us?

Reach out to become an approved broker or correspondent.

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