LHFSbuyer room · privateManage buyer room
Version-controlled mortgage underwriting-overlay and rate-lock dataset plus a down-payment-assistance (DPA) second-lien portfolio: dated lender overlays on FHA/VA/USDA agency baselines (FICO floors, DTI caps by property type including manufactured-housing-specific carve-outs, 4506-C transcript requirements, lock-duration and lock-cancel-fee rules), keyed to program codes, and the originated/serviced second-lien book generated by administering state affordable-housing DPA programs on the lender's own capital.
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