Correspondent
22. USDA 23. HELOCs 24. Seconds 25. Construction
17. Non-QM 18. Jumbo 19. Fannie/Freddie 20. VA 21. FHA
12. Non-Delegated (Mini) Correspondent 13. Non-Delegated Underwriting 14. Pricing Engine 15. Third Party Originations 16. Warehouse Lines
6. Min FICO 7. Min Liquidity Percentage 8. Warehouse Line Amount Min ($M)
1. Min Years Experience Req. 2. Company Net Worth Min 3. Average Monthly Volume Min 4. E&O Insurance Coverage Min ($K) 5. Fidelity Bond Coverage Min ($K)
9. Bulk Delivery 10. Flow Delivery 11. Delegated Underwriting
Lender Name and Contact Info
1
2
3
4 5 6 7
8 9 10 11
12 13 14 15 16 17
18 19 20 21
22 23 24 25
0250K00059900YYYYYYY
Y Y Y
AD Mortgage www.admortgage.com Hanna Roslyk (855) 226-5100 hanna.roslyk@admortgage.com Arc Home www.archome.com Elliott Grumer (215) 383-9964 egrumer@archome.com
AD Mortgage provides Delegated and Non-Delegated correspondent expertise nationwide. Lending Territory: Nationwide except AK HI MN ND PR
3 150K 500K 300K 300K 620 0 0 Y Y Y Y Y Arc Home features 80% usage of business bank deposits, 60 month AU, 80% on DSCR, and 90% LTV with no MI. $3.5M loan limit. Lending Territory: Nationwide Y Y Y Y Y Y
2 250K 0 250K 1M 620 25 5M
Y
Y
Y Y Y
Axos Bank www.axosbank.com J. Shoop (858) 753-3157 jshoop@axosbank.com
Jumbo/super jumbo, niche, portfolio lender, cross collateral and bridge products. Lending Territory: Nationwide
2 500K 0 250K 250K 600 0 1M Y Y Y Y Y Non-QM lender offering 12 month income documentation on all loan programs. ITIN loans. Bank statement program for self-employed borrowers. Lending Territory: Nationwide Y Y 0 100K 1M 500K 500K 580 0 0 Y Y Y Y Y Y Y PRMG is a leading national lender. We deliver jumbo, FHA, VA and conventional products with a high focus on purchase, pricing and service. Lending Territory: Nationwide except NY Y Y Y Y
First National Bank of America www.fnba.com/correspondent Alan Parr (517) 324-8432 aparr@fnba.com
PRMG - Paramount Residential Mortgage Group www.prmg.net Jay Boand (888) 987-7764 jboand@prmg.net
⊳ Market continued from Page 28
Building trust through education Alex Varela, divisional sales manager at Neighborhood Loans in Southlake, Texas, believes the Latino homebuyer experience improves dramatically when working with a Latino loan officer. “It’s not just about language,” Varela notes. “It’s about profound comprehension of culture.” Many clients face fears and uncertainties amplified by unfamiliarity with U.S. financial systems. Varela addresses these concerns through mandatory one-hour consultations — either in person or virtually — where he walks clients through underwriting decisions, debt-to-income ratios and documentation requirements. Education extends to explaining loan programs from the Federal Housing Administration and conventional products with low downpay- ments, which are particularly helpful for families with co-signed loans or nontraditional credit histories. Varela also champions empowering Latino mortgage professionals, arguing that they have exponential outreach within their communities. His offices are strategically located in Latino neighborhoods, and he leverages resources like the Hispanic Wealth Project to teach clients about long-term financial health. “Latinos are fiscally conservative, hardworking and family-oriented,” he says. “With the right education and opportunity, they will become a major force in the U.S. economy.” Innovating for inclusion Companies should focus on training and providing resources that reflect real family dynamics, says Jay Rodriguez, a mortgage broker at Arbor
Connecting with Latino Homebuyers ⊲ Culturally Relevant Outreach: Use social media platforms and organize in-person events with community groups to connect with Latino families in familiar, trusted spaces. This approach ensures that outreach resonates culturally and linguistically. ⊲ Education and Preparation: Educate buyers about credit, savings and the mortgage process. A six-month to one-year preparation period can help clients improve credit scores, build funds and understand the steps involved in purchasing a home. ⊲ Building Trust Through Cultural Competence: Hire staff who share cultural backgrounds and understand how family dynamics foster trust. This includes addressing unique challenges such as cash-on-hand issues and tax complexities for self-employed clients. ⊲ Empower Communities: Conduct mandatory consultations to explain underwriting, debt-to-income ratios and loan programs like FHA and low-downpayment options. Leverage resources such as the Hispanic Wealth Project to teach long-term financial health. ⊲ Innovate for Inclusion: Advocate for bilingual loan documents, interactive learning systems (like HOME Certified) and tailored mortgage solutions such as bank statement programs and flexible downpayment assistance. These innovations address nontraditional income sources and multigenerational financial strategies common in Latino households.
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Scotsman Guide | February 2026
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