For real estate agents
When a lender goes quiet ten days before closing, or turns your client down for something that had a workaround, you lose the commission and the client loses the house. Home Loan SOS is the second opinion that gets called before that happens.
What we do for your client
A denial from another lender is a first opinion. We look for the program the last one did not run: bank statement and P&L for the self-employed, DSCR for investors, bridge for a buyer who has not sold yet, private money when the clock is the problem.
If the answer really is no, you hear that fast and straight, so you can advise your client instead of waiting.
How fast you get an answer
Calls and texts during business hours get answered the same day. Pre-approval letters go out same-day once the file is in. If your client is sitting across from you on a Saturday needing a letter to write an offer, call — that is what the number is for.
You are kept in the loop on the milestones that decide your closing date, and nobody has to chase anyone for a status.
Denied elsewhere · self-employed income that tax returns understate · investors scaling past their debt-to-income · a closing at risk · a job change mid-contract · one blemish on an otherwise clean file · buyers who need to buy before they sell.
Erik Miller has 21 years in mortgage lending and a specialty in the loans other lenders could not finish. Licensed in Arizona.
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Your referral is handled by the Erik Miller Home Loan Team at Patriot Home Mortgage. Privacy notice.
