FOR PROFESSIONAL PARTNERS

Scenario Lab

Describe a file and see the programs, the paperwork lenders typically ask for, and what would change the picture.

and the wording will match your practice.

The scenario

What the client is trying to doHow the client earnsTax return vs. actual cash flowMonthly business depositsLiquid assets, retirement includedMonthly debt loadIf a rental, does rent cover the paymentEstimated creditDown payment or equityTimeline

What this points to

Start describing the file.

Programs appear here as you go — you do not have to fill everything in. One or two details is often enough to see something.

Before you share this with a client: this is a starting point, not an answer about their eligibility. Nothing here is an application, a credit decision, or a pre-qualification, and no file has been reviewed. Please don't relay any of it as a yes or a no.

General educational information for professional partners. Not an application, a credit decision, or an offer of credit. No credit report is pulled and nothing is submitted to a lender. Program availability, terms, and documentation requirements vary by lender and depend on a full review. We pay no compensation for referrals; federal law (RESPA) prohibits it for settlement services.