FOR REAL ESTATE AGENTS
In this market, you want certainty and a great client experience.
We pre-approve your clients the right way, keep you updated at every step, and work hard to close on time. You focus on the deal. We’ll handle the financing.
What you can count on
- Pre-approvals with income and assets reviewed up front
- Updates for you and your client at every milestone
- Access to our live agent portal
- Someone who picks up when the listing agent calls
- Programs for clients other lenders turn away
STRONGER OFFERS
A pre-approval that holds up.
A pre-approval is only as good as the work behind it. We review income, assets and credit before we issue a letter, so there are fewer surprises once you’re under contract.
Reviewed up front
Income, assets and credit reviewed before the letter goes out, not after the offer is accepted.
We take the call
When the listing agent wants to verify your client, we pick up and back your offer.
Fast pre-approvals
Get your client ready to write offers quickly, so they don’t miss the right house.
LIVE AGENT PORTAL
Always know where your client’s loan stands.
Stay in the loop with our live agent portal so you always know what’s going on with your clients. Check milestones any time without waiting on a call back.
We set up portal access for our agent partners. Book a call and we’ll get you connected.
Your client’s loan
Sample view
LIVE
- Application received
- Pre-approved
- Under contract
- Appraisal In progress
- Underwriting
- Clear to close
- Closed
PROGRAMS
More ways to get your clients to the closing table.
With access to more than 200 wholesale lenders, we can often find a path when a bank can’t. A few programs that help our agent partners win more deals:
First-time buyers
Low and no-down-payment options for eligible buyers, plus down payment assistance programs.
VA and USDA
Programs for eligible veterans and for homes in USDA-eligible areas.
Self-employed clients
Bank statement, 1099, P&L and asset-based options for clients whose tax returns tell only part of the story.
Buy before you sell
Help move-up clients use their equity to buy before their current home sells.
Investor clients
DSCR, fix and flip, bridge and construction financing for your investor clients.
Jumbo
Financing for loan amounts above the conforming limit.
WORKING TOGETHER
How we work with agents.
01
Connect us with your client
A call, a text or a quick introduction is all it takes. We reach out to your client right away.
02
We pre-approve them
We review the full picture up front and give your client a clear budget and a letter to shop with.
03
Write with confidence
When you’re ready to write, we’re available to talk with the listing agent and back your offer.
04
We keep you posted
Updates at every milestone and live portal access, all the way to the closing table.
FAQ
Questions agents ask us most.
Will you talk to the listing agent?
Yes. When the listing agent wants to verify your client, we pick up and speak to the strength of the file.
What if my client is self-employed?
We have bank statement, 1099, P&L and asset-based programs, so self-employed clients aren’t a dead end.
Do you work with investor clients?
Yes. We offer DSCR, fix and flip, bridge and construction loans, so your investor clients can use us too.
How do I get access to the agent portal?
Book a call or reach out directly. We set up portal access for our agent partners and will walk you through it.
LET’S WORK TOGETHER
Have a client who needs a lender?
Book a call, or reach out to me directly. I’d love to hear about your business and how we can help your clients.
Email patrick@patrickhomeloans.com
Patrick Culleton, NMLS #2318469