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Products, Services & Commitments

Partnering with an experienced company with a streamlined loan experience is vital for your business. We maintain full control of the mortgage process in-house, allowing for fast and accurate closings and market-leading services.

Upfront Underwriting

Upfront underwriting is a new approach to the loan process workflow. To efficiently and effectively move a loan through the manufacturing process, more and more steps need to occur simultaneously. Upfront underwriting is designed to create efficiencies and reduce redundancy, so we can accelerate your customer through the loan experience. We exercise all resources necessary to deliver this promise to you and your customers.

We commit to:

Same Day Pre-Qualification

Same day pre-qualification within 8 hours.

Quick Underwriting Decisions

Day 1 Certainty prepares an underwriting decision within 48 hours of receiving a complete file.

24 hour closing docs

A closing package from eClosing is delivered within 24 hours, so you can see if your customer is qualified in record time.

Faster Approvals

Final approval up to 12 business days faster.

Underwriting Centers

Our underwriting commitment remains unmatched. Our underwriting teams are dedicated to our upfront underwriting commitment and apply accurate and consistent underwriting standards to each customer we serve.

We provide our local processing teams with regular training sessions and establish regionalized underwriting centers that allow our underwriters to remain in close communication and proximity to our loan originators. Our underwriters go through frequent training and are staffed to be able to respond to direct calls from loan originators immediately.

By implementing these services, our branches can feel more in-touch with our underwriting centers, know the team they are working with and give you a unique advantage over your competition.

Regional Underwriting Centers


Help your customers choose from a full menu of loan products across 130+ locations nationwide.


  • 97% LTV Options
  • Financing Flexibilities
  • In-House Condo & PUD Approval
  • Co-ops & Manufactured Properties
  • 620 Minimum Credit Score


  • GUS & Manual Underwrites Allowed
  • 0% Down Payment
  • 620 Minimum Credit Score


  • VA
  • Fannie Mae Homestyle Program
  • Full Renovation 203K Standard & Limited


  • Manual UW Options
  • All Streamline Refinance Options
  • 580 Minimum Credit Score


  • Loan Limits Up to $3M
  • 85% with No MI & 95% with MI Options
  • Interest-Only Options
  • Fixed-Rate & Adjustable-Rate
  • 680 Minimum Credit Score


  • DU Refi Plus Unlimited LTV
  • Lock-n-Shop
  • Reverse Mortgages (Select States)
  • Escrow Holdbacks
  • Investment Properties (Up to 10)
  • Non-Warrantable Condos
  • LP Open Access Unlimited LTV
  • Bond Programs
  • Down Payment Assistance Programs
  • Mortgage Credit Certificate Programs
  • Non-QM Loans

More ways we support our Real Estate Agent partners:

We want our Real Estate Agent partners to love your mortgage experience, too. Browse through more resources you will have access to when you partner with us.

Digital Technology & Experiences

By listening to our Realtor partners and leveraging our resources, we have created an award winning digital experience for you and your customers.

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Strategic Communication

Our digital and conventional marketing approach is designed to effectively build a lasting relationship with our borrowers and business partners.

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Marketing Resources & Certifications

We provide access to our marketing resources and certification programs designed specifically for supporting the success of our Real Estate Agent partners.

Learn More