Run scenarios. Check guidelines. Compare overlays. Answers pull from your approved wholesale list — not the public internet, not yesterday's matrices.
Featured scenario · live tool-use
Self-employed buyer in Alameda CA, 712 FICO, $1.4M loan on a $1.75M primary, 20% down. Departing residence still listed (no contract). 24-mo bank statements show $310K/yr; tax returns only show $185K. Which lenders on my list will (a) exclude departing PITI from DTI, (b) qualify on bank statements over tax returns, and (c) hit 80% LTV at this loan size? Compare top 3 with AE name + phone, current overlays, and inline citation dates — and flag any matrix older than 90 days.
Scenario
FHA $620K Phoenix AZ, 660 FICO, 3.5% down — top 3 lenders + AEs?
Guideline check
Bank statement program, self-employed 2 yrs, 90 LTV — overlays?
Stacking
First-time buyer in Alameda, 720 FICO, $700K — best wholesale lender stack with closing-cost coverage?
Niche
DSCR cash-out 75 LTV on a 4-unit — which lenders, which rates?
★ New this week · credit modernization
Is VantageScore 4.0 available for conventional loans yet? Which wholesale lenders are live?
★ New this week · documentation
For apps dated June 1, 2026 onward, how many W-2s does a salaried borrower need under SEL-2026-02?
★ New this week · governance
How is cal architected to support our AI/ML governance disclosure under FNMA LL-2026-04 and FHLMC §1301.13?
★ New this week · debt resolution
Borrower has an active IRS tax lien. Three paths under FNMA B3-6 — explain the subordinated path with Form 14134.
★ New this week · family transactions
Freddie Mac 2026-3 gift of equity restriction — what changed for excess-of-closing gift proceeds effective Jun 3, 2026?