Manual Underwriting Loan Programs
Flexible Mortgage Solutions with Manual Underwriting
Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead of relying solely on credit scores and computer-driven approvals, a manual underwrite allows lenders to carefully review your full financial picture—income, assets, and payment history—to provide a tailored mortgage solution.
Who Benefits from Manual Underwriting?
- Self-Employed Borrowers – Ideal for individuals with complex or non-traditional income documentation.
- Credit Challenges – Flexible for borrowers with limited credit history or past credit issues.
- Unique Financial Situations – Great for applicants who do not fit into conventional guidelines but can demonstrate the ability to repay.
- Non-QM and Alternative Loans – Expands approval opportunities where automated systems fall short.
Key Features of Manual Underwriting Loans
- Consideration of compensating factors such as savings, rental history, and stable employment.
- Greater flexibility compared to standard agency underwriting.
- Available for both purchase and refinance transactions.
- Suitable for investors, first-time homebuyers, and borrowers seeking non-traditional options.
- Conforming, Jumbo Conforming, FHA loan programs
- Full and Lite Doc income documentation programs
- Up to 64.9% Debt to Income ratio Available
- 1 day off MLS, cash out OK
- Non warrantable condos ok
Why Choose a Broker for Manual Underwriting?
Working with a mortgage broker gives you access to multiple lenders who specialize in manual underwriting programs. We help present your financial profile in the best way possible, increasing the chance of approval with competitive terms.
Submit your application for 48-hour approvals!
Ok to double app and close/fund before the other lender has your approval!
Available in the Following States:
Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Nevada, New Jersey, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Virginia, and Washington