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# Nations Branch

Nations Branch

## Sitemaps

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## Posts

- [Blog](https://nationsbranch.com/blog/) - I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis,
- [Reduce Stress in the Home Buying Experience](https://nationsbranch.com/uncategorized/reduce-stress-in-the-home-buying-experience/) - Borrowers who are cared for by NLC know that rates are important but there is more to consider. You don’t want to bargain hunt for your mortgage professional, and there is plenty of “stuff” on the radio or internet with outlandish claims. Some homebuyers report they didn’t feel as if they were a priority and
- [Fed in the Headlines](https://nationsbranch.com/uncategorized/fed-in-the-headlines/) - The Federal Reserve has wrapped up 2018 with a key interest rate hike. Rates on credit cards, adjustable-rate mortgages, home equity lines of credit and some student loans will rise, increasing borrowers’ monthly payments. All have variable rates that directly respond to the Fed’s move. NLC’s clients should know that credit card rates are generally
- [Rent versus Buy](https://nationsbranch.com/uncategorized/rent-versus-buy/) - Sure, the Trump Administration continues to grab the headlines, as does the partial government shutdown, and the football season winds up, NLC’s clients are focused on either financing a new home or consolidating debt by refinancing their existing home. Housing costs have increased in NLC’s footprint. In some cases, so astronomical that even full-time employees
- [Shutdown Behind, Shutdown Ahead?](https://nationsbranch.com/uncategorized/shutdown-behind-shutdown-ahead/) - Yes, the record partial government shutdown ended late last week, but, regardless of who “won” or who “lost,” in a few weeks the whole thing could happen again. So it is a good time for NLC’s Personal Mortgage Advisors and their clients to take a look at it, hoping, of course, that history doesn’t repeat
- [We’re With You!](https://nationsbranch.com/uncategorized/were-with-you/) - NLC’s Personal Mortgage Advisors know that the idea of shopping around for a mortgage can be daunting. The fact is, however, that if you don't shop around intelligently for your mortgage, you're doing yourself a huge disservice. And we believe that you’ll pick NLC! If you've started thinking about getting a mortgage, you've probably been
- [Partial Government Shutdown](https://nationsbranch.com/uncategorized/partial-government-shutdown/) - As the partial shutdown of the federal government drags on, there is plenty of blame to go around. It is causing financial problems for furloughed workers who can't refinance their mortgages or buy homes because lenders can't verify their income, and for 90 percent of IRS employees (viewed as nonessential). NLC is open for business
- [Things to do After Your Mortgage Funds](https://nationsbranch.com/uncategorized/things-to-do-after-your-mortgage-funds/) - NLC’s Personal Mortgage Advisors take their jobs and clients seriously and know that their jobs aren’t done when your loan closes. We ensure that it really funded and make sure our clients know. As odd as it sounds, other lenders may not. Just because you signed loan docs doesn’t mean your mortgage funded. We remind
- [Income and Assets: What Matters to NLC?](https://nationsbranch.com/uncategorized/income-and-assets-what-matters-to-nlc/) - When submitting a loan application to buy and finance a home, there are multiple things NLC needs to review. The most important are your income and employment, your credit history and credit scores, and your assets. Not what your plans are for Christmas, although our Mortgage Advisors are interested in that on a personal level.
- [Affordable Care Act, Individual Tax Policy & Corporate Tax Rates: What’s next?](https://nationsbranch.com/market-trends/fiscalpolicychanges/) - Understanding current fiscal policy changes and how it may impact the US economy.
- [Welcome to the Home Buying Season](https://nationsbranch.com/uncategorized/welcome-to-the-home-buying-season/) - Is there such a thing as a “home buying” season? Yes! Many parts of the country experience certain times of the year that are more conducive to home buying.
- [VA Home Loan Overview](https://nationsbranch.com/va-loan/va-home-loan-overview/) - America’s vets don’t just deserve affordable homeownership: they’ve earned it. VA Home Loans are a benefit offered only to our country’s bravest men and women. Whether you’re refinancing or purchasing, we can help. Why get a VA Loan from Nations Lending? No monthly mortgage insurance premiums Typically have lower interest rates and monthly payments than
- [A Primer on Home Inspections](https://nationsbranch.com/uncategorized/home-inspections/) - What is a home inspection? A home inspection is a professional consulting service that determines the present condition of the home’s major systems; based on a visual inspection of accessible features. It focuses on the performance of the house, rather than cosmetic, code, or design issues. What does a home inspection include? A standard home
- [Changes in Home Loans over the Years](https://nationsbranch.com/market-trends/changes-in-home-loans/) - Analyzing data on conventional, conforming mortgages where key trends among borrowers were identified: loan value, down payments, and creditworthiness.
- [Suspension of FHA Mortgage Premium Reduction](https://nationsbranch.com/market-trends/suspension-of-fha-premium-reduction/) - HUD has suspended the premium rate cut for FHA backed loans. They felt the insurance fund was not yet stable and couldn’t afford the rate cut.
- [FHA Cuts Insurance Premiums on Mortgages](https://nationsbranch.com/market-trends/fha-premium-changes/) - FHA borrowers soon to welcome an annual reduction in their premiums by almost a quarter of a percent; an average of $500.
- [What's a Mortgage Rate Lock and Why Do I Need One?](https://nationsbranch.com/market-trends/mortgage-rate-lock/) - The home loan business is one of the few that offer a consumer to lock in a price now for something that happens in the future: the closing of their loan.
- [The Presidential Election, Interest Rates, and Mortgages: What Does It Mean?](https://nationsbranch.com/market-trends/presidential-election-and-interest-rates/) - Donald Trump won the US Presidential Election and interest rates immediately shot up. Why?
- [Protecting Your Home When Disaster Strikes](https://nationsbranch.com/market-trends/when-disaster-strikes/) - With the recent devastating Hurricane Matthew and the damage it brought we wanted to touch base on what to do to before and after a disaster.
- [6 Crucial Mortgage Questions to Ask](https://nationsbranch.com/market-trends/6-mortgage-questions/) - Nations Lending’s experienced mortgage advisors are great at setting our borrower’s expectations and asking questions up front. We tell potential borrowers that if they are in the market to purchase or refinance a home, there are questions our clients will be asked. Some answers will potentially complicate the process, meaning more documentation will be required.
- [Changes to Credit Underwriting with Fannie Mae](https://nationsbranch.com/market-trends/changes-to-credit-underwriting/) - Fannie Mae (not Freddie Mac, yet) has rolled out Desktop Underwriter (DU) 10.0. Will it help Nations Lending’s borrowers by providing wider credit opportunities for borrowers who may not have been approved through the previous version of DU? The changes will apply to new loan case files submitted to DU Version 10.0 starting this week.
- [Buyer Behavior- Why Rent When You Don't Have To?](https://nationsbranch.com/market-trends/why-rent-when-you-dont-have-to/) - At Nations Lending we see first-hand how clients change over the years. There are shifts in financial demographics: credit score, income and median housing prices. But more importantly there are shifts in homebuyer behavior: an increase in the average age of a homeowner and increase in the length a person rents before buying. According to Zillow, across
- [Interest Rates- Steady as She Goes](https://nationsbranch.com/market-trends/interest-rates-steady-as-she-goes/) - Normally a fast-paced economy typically leads to higher interest rates
- [Economic News Comes in All Styles](https://nationsbranch.com/market-trends/economic-news-all-styles/) - Clients often ask us, “What moves interest rates?” The condition and direction of the U.S. economy is a major driver of interest rates and bond prices, and along those lines an unexpected news tends to move markets quickly. Bond markets, which is the same way as saying interest rates, follow economic indicators closely, looking for
- [3 Financial Myths Busted](https://nationsbranch.com/market-trends/financial-myths-busted/) - Let’s be honest: we’ve all had a personal finance tip that was drilled into our brain. We don’t necessarily know that the advice is 100% accurate and we might not even be able to say where we heard it from. Maybe a friend or even the coffee barista? Who knows. While your friends and the
- [What are Fannie Mae, Freddie Mac and Ginnie Mae?](https://nationsbranch.com/market-trends/fannie-freddie-and-ginnie/) - Nations Lending’s management feels that it is important for our originators and branch managers to have a basic understanding of the capital markets. After all, what happens in those markets directly influences our borrower’s rates. And it is estimated that currently 90% of mortgages are through Ginnie, Fannie, and Freddie. Fannie Mae is the nickname
- [Obtaining a Home Loan While Retired](https://nationsbranch.com/market-trends/home-loan-while-retired/) - The press is filled with stories about first-time home buyers and Millennials obtaining home loans. At the other end of the spectrum are aging Baby Boomers and retired people – what about mortgages for them? Nations Lending does many loans for older U.S. citizens. Obtaining a typical mortgage while retired is certainly doable. It is
- [Borrowers Need to Remember the Basics](https://nationsbranch.com/market-trends/borrowers-need-to-remember-the-basics/) - Yes, there has been a lot of news about 97% conventional conforming loans, and about the FHA’s lower insurance premiums later this month. But regardless of the program, Nations Lending borrowers need know that one of the biggest hindrances in the home buying process for borrowers is the amount of paperwork that is required, often
- [FHA Mortgage Insurance News Should Help the Market](https://nationsbranch.com/market-trends/fha-mortgage-insurance-news-should-help-the-market/) - The news recently from President Obama, and then HUD, regarding cutting the FHA mortgage insurance premiums was the focus recently of Nations Lending employees. But will it really have an impact? According to most analysts’ estimates, cutting FHA premiums could save homeowners and potential buyers thousands of dollars. FHA premiums for borrowers with a down
- [Borrowers Continue to Save Money Through Refinancing](https://nationsbranch.com/market-trends/borrowers-continue-to-save-money-through-refinancing-2/) - With the recent drop in interest rates, Nations Lending loan officers are being asked by their clients whether or not this is an opportune time to refinance. Although our LOs have large databases containing past clients who could benefit from a refinance, it is very borrower-specific. But Nations Lending LOs are telling clients that there
- [Teaching Borrowers About Amortization](https://nationsbranch.com/market-trends/teaching-borrowers-about-amortization/) - Often times our Nations Lending teammates are asked by their clients some pretty basic questions. Not everyone has a background in finance, and often time the concept of “amortization” puzzles NLC clients obtaining their first loan. It is good thing for originators to know how best to explain the concept to their borrowers. How does
- [Vacancy Rates, Rents, and Home Ownership](https://nationsbranch.com/market-trends/vacancy-rates-rents-and-home-ownership/) - Since they directly affect the housing market on a local level, Nations Lending experienced loan officers closely monitor trends in vacancy rates. Just like in the hotel business, where a 0% vacancy rate indicates that more hotels should be built, national rental vacancy rates indicate when more houses, apartments, or condos should be built. The
- [Mortgage Rates and Price Changes Should Help Nations Lending Clients](https://nationsbranch.com/market-trends/mortgage-rates-price-changes-should-help-nations-lending-clients-2/) - Last week Nations Lending and the home lending industry took note of changes in the way that Freddie and Fannie price loans. Due to the improvement in the overall housing industry, we found that the changes were definitely due. With delinquencies and foreclosures going down, those two quasi-government agencies adjusted pricing on certain loan types,
- [The Fed Meets This Week](https://nationsbranch.com/market-trends/the-fed-meets-this-week/) - One of the main concerns Nations Lending clients have when refinancing or purchasing a home is what their interest rate is going to be, because the rate affects disposable income and liability. But whether it is a single borrower or a country, the interest rate determines the outflow of money to a bank or other
- [Mortgage Rates and Oil: An Interesting Duo](https://nationsbranch.com/market-trends/three-most-common-mistakes-when-buying-a-home/) - Oil is all over the news, and Nations Lending employees and their clients are certainly happy to be paying less at the pump. Prices have dropped to $50 a barrel from around $115 a barrel in June. But does the price movement of oil impact mortgage rates? The steep decline in global oil prices is
- [Rent is a Fact of Life for Many](https://nationsbranch.com/market-trends/rent-is-a-fact-of-life-for-many/) - Many of Nations Lending clients are in areas where rent has been increasing. So it is of great interest to them, and us, whenever news comes out about rents because places known for their high rents, which in turn impact affordability of housing. Sure enough, a recent survey showed that rent affordability is suffering in
- [Borrowers Continue to Save Money Through Refinancing](https://nationsbranch.com/market-trends/borrowers-continue-to-save-money-through-refinancing/) - With the recent drop in interest rates, Nations Lending loan officers are being asked by their clients whether or not this is an opportune time to refinance. Although our LOs have large databases containing past clients who could benefit from a refinance, it is very borrower-specific. But Nations’ LOs are telling clients that there are
- [Credit is Important Whether it is a Jumbo or a Conforming Loan](https://nationsbranch.com/market-trends/credit-is-important-whether-it-is-a-jumbo-or-a-conforming-loan/) - As the jumbo loan and refinance market begins to pick up, it’s important to remind Nations Lending clients that their credit standing is important. If their credit isn't good, we need to give them some pointers on how to fix it so they can get mortgage-ready. In general, lenders have more flexibility when qualifying borrowers
- [Yes, People in Their 20s Buy Houses!](https://nationsbranch.com/market-trends/yes-people-in-their-20s-buy-houses/) - There are more people born between 1980 and 1999 – what the Census Bureau defines as Millennials – than any other generation. So their economic clout is obvious. How has the recession affected the job market for Millennials, which in turn impacts their ability to buy a home? According to Wells Fargo Securities, LLC Economics
- [Price Changes Should Help Nations Lending Clients](https://nationsbranch.com/market-trends/price-changes-should-help-nations-lending-clients/) - Last week Nations Lending and the home lending industry took note of changes in the way that Freddie and Fannie price loans. Due to the improvement in the overall housing industry, and with delinquencies and foreclosures going down, those two quasi-government agencies adjusted pricing on certain loan types, certain loan-to-values, and certain risk profiles. And they
- [Mortgage rates, Oil, and World Economies: What is Going on Out There?](https://nationsbranch.com/market-trends/mortgage-rates-oil-and-world-economies-what-is-going-on-out-there/) - You'd be hard-pressed to find a borrower that didn't depend on oil in some way, whether it be for driving or heating fuel. Oil prices, and the events around the world that move them, are indeed hard to track – but if our clients want to obtain a basic grasp of what moves rates, oil
- [A Quick Study on Mortgage Rates and the Federal Reserve](https://nationsbranch.com/market-trends/a-quick-study-on-mortgage-rates-and-the-federal-reserve/) - The Fed met recently. Does it matter? The low rate environment has Nations Lending loan officers and their clients wondering if the Federal Reserve will raise mortgage rates. The short answer is no. The Federal Reserve does not set mortgage rates. However, the Fed may raise the “discount rate”, which can impact interest rates, including
- [Market Conditions and Rent: A Rental Affordability Crisis?](https://nationsbranch.com/market-trends/market-conditions-and-rent-a-rental-affordability-crisis/) - Many cities that Nations Lending originates in are experiencing a rental affordability crisis as rent cost continues to increase. And we believe that this is increasing the motivation to buy a home rather than live in an apartment or rent. Nations Lending loan officers cite a number of factors that have increased rental burden among
- [Is the Increase in Housing Prices Real?](https://nationsbranch.com/market-trends/is-the-increase-in-housing-prices-real/) - Nations Lending customers are located in many areas that are seeing price appreciation, but is the increase in housing prices real, or just a passing trend? And although people talk a lot about it, it is good occasionally to take a look at the actual housing prices from an unbiased point of view – like
- [Buying and Selling a House Can Work Out Well](https://nationsbranch.com/market-trends/buying-and-selling-a-house-can-work-out-well/) - Many Nations Lending clients see advertisements (again) for house flipping. And although some view it with suspicion, the act of buying a home, renovating it, and selling it to hopeful buyers can be a winning situation for all involved. With the housing market picking up it may be a good time to begin flipping homes
- [Communication is Very Important When Financing a Home](https://nationsbranch.com/market-trends/communication-is-very-important-when-financing-a-home/) - At Nations Lending, our loan officers know exactly how to communicate with their clients. Borrowers have certain likes and dislikes, and need to tell their LO their preferences – which includes the use of technology. Technology has improved the flow and efficiency of processing loans but we have found that many borrowers are still reluctant
- [Nations Lending Borrowers Either Live in the House or They Don’t](https://nationsbranch.com/market-trends/nations-lending-borrowers-either-live-in-the-house-or-they-dont/) - Financing investment and second homes can be more risky for Nations Lending and other lenders since the chance of the borrower defaulting on a house that is not their primary residence is much greater. Nations Lending believes that occupancy (whether or not the borrower is going to live in the home being financed) is critical
- [Nations Lending: The Opposite of a “Forward” Mortgage is a…?](https://nationsbranch.com/market-trends/nations-lending-the-opposite-of-a-forward-mortgage-is-a/) - Our borrowers sometimes ask us what is true and not true about reverse mortgages. What are the most common reverse mortgage myths and facts? For lenders in the reverse mortgage market, explaining the benefits of this loan program to a borrower and undermining the myths upfront will allow for a smoother and more successful transaction.
- [Nations Lending: A Primer on a Few Things Every Borrower Should Have](https://nationsbranch.com/market-trends/nations-lending-a-primer-on-a-few-things-every-borrower-should-have/) - Nations Lending mortgage originators have had lots of experience with first time home buyers, and also with clients that continue coming back. Our loan officers have found that one of the most important things when discussing the home financing process with potential borrowers is identifying upfront the documentation that will be required from them. The
- [Amortization: A Primer on How Loans Pay Off Over Time](https://nationsbranch.com/market-trends/amortization-a-primer-on-how-loans-pay-off-over-time/) - Let’s go back to a basic, yet very vital organ of real estate: amortization, the heart of real estate finance, both at Nations Lending and other lenders. Loans are structured around the amortization calculations, but sometimes our Nations borrowers need a refresher on the topic. Amortization is the gradual paying of debt by making equal,
- [A Nations Lending Primer on Title Insurance](https://nationsbranch.com/market-trends/nations-lending-primer-on-title-insurance/) - Our Nations Lending originators are sometimes asked about title insurance. Our loan officers tell their clients that unlike most insurance, title insurance covers what could have already happened and not what may happen in the future as it ends on the days it is issued and extends backward in time until the property is sold.
- [Refinancing Adjustable Rate Mortgage Loans](https://nationsbranch.com/market-trends/refinancing-adjustable-rate-mortgage-loans/) - The most basic explanation of an adjustable rate mortgage (ARM) loan is in its name, it is a loan in which the rate adjusts or changes. A fixed loan maintains the same interest rate through the life of the loan. ARM loans generally begin with a low rate which means a lower payment but chances
- [Working with Real Estate Agents 101](https://nationsbranch.com/market-trends/working-real-estate-agents-101/) - Nations Lending’s branch managers and originators know that Realtors are one of the most important sources of introducing home buyers to new communities. Motivating or enticing them to visit a new community can be difficult, however, since they are bombarded with invitations to events, mixers, and industry meetings, especially during the busy spring selling season.
- [How a Previous Short Sale Can Determine Credit Availability](https://nationsbranch.com/market-trends/short-sale-determines-credit-availability/) - Nations Lending’s originators are sometimes asked, “We had a short sale several years ago, can we obtain a loan to buy a home?" The short answer is yes, although there are some requirements that need to be understood. It is easy to understand why a borrower that has defaulted, or had a short sale, is
- [In the Age of Internet, are Open Houses a Thing of the Past?](https://nationsbranch.com/market-trends/are-open-houses-a-thing-of-the-past/) - When real estate professionals were asked whether they thought holding an open house was still a relevant want to market home, support for them ran 3-1. Nations Lending branch managers also know that popular opinion among real estate pros on the internet is against them, with very little data available pointing to the impact an
- [What is the Escrow Process?](https://nationsbranch.com/market-trends/what-is-escrow-process/) - Fortunately, Nations Lending’s branch managers and originators are well versed in the entire real estate process. Of course, we specialize in mortgages, but we’re also exposed to buying and selling properties as well as the real estate transaction or the escrow process. In this case, let’s take a look at the escrow process – basically
- [Mortgage Rates Near All Time Low](https://nationsbranch.com/market-trends/mortgage-rates-near-all-time-low/) - Our Nations Lending originators hear the question, “Can mortgage rates move any lower?” The answer to that is, “Maybe, but somewhat unlikely.” Driven by a number of factors, mortgage rates in the United States are currently near their all-time lows seen in 2012. There are certainly economists and investors arguing that rates will move higher,
- [College Housing: Something to Think About](https://nationsbranch.com/market-trends/college-housing-something-think/) - We realize that the school year has recently ended. For some it means the end of school, for others in college it means that they need to think about housing in the autumn. If a student prefers the residential setting, parents have the choice of renting or buying for the remaining college years. Like any
- [Everyone is Talking About Low Interest Rates – Again](https://nationsbranch.com/market-trends/low-interest-rates/) - Last week’s vote by the United Kingdom on exiting the European Union reminded Nations Lending’s employees and clients that, regardless of what happens in the United States, our rates continue to be influenced by overseas activities. Still, what happens here in this country does influence mortgage rates. Leading up to the Federal Reserve Open Market
- [Mortgage Rates: They’re Low for a Reason](https://nationsbranch.com/market-trends/low-mortgage-rates/) - We’re in a holiday week, but the financial markets are focused on the United Kingdom voting to leave the European Union. There are some that believe mortgage rates will eventually go up. Should Nations Lending’s clients be concerned? By the end of this year, the MBA’s chief economist expects rates to reach 4 percent. He
- [Don't Forget About Closing Costs!](https://nationsbranch.com/market-trends/dont-forget-about-closing-costs/) - With all the talk about low interest rates helping those refinancing, and prompting renters to compare the cost of renting to owing, we thought it would be smart to remind Nations Lending clients about closing costs. Closing, or settlement, is the final step in a real estate transaction and is where ownership is transferred, or
- [Rates are Still Great, Regardless of Politics!](https://nationsbranch.com/market-trends/rates-still-great-regardless-politics/) - In June when the Federal Reserve issued its policy statement regarding rates and the economy, analysts rushed to slice and dice the statement. But Nations Lending’s branch managers took a breath and reminded their originators that the market questions how important the Fed is at this point – especially in the mortgage market. The Fed
- [What You Should Know About Home Security Systems](https://nationsbranch.com/market-trends/homesecuritysystems/) - A home is where you go to feel safe. It’s where you want to relax with your family and lay your head down after a long tiring day. It’s not somewhere that you should feel worried about your safety. There are over 2 million home burglaries reported each year in the US. If you break
- [Understanding the Importance of Debt Financing](https://nationsbranch.com/market-trends/debt-financing/) - Many consumers are familiar with the concept of “debt” when borrowing money. Let’s talk about a different kind of debt- financial evolution, specifically, debt financing. Having an understanding of the current environment is an asset for Nations Lending’s clients. Over the past 25 years non-financial corporate debt has only risen modestly as a share of
- [How to Effectively Boost Retirement Savings](https://nationsbranch.com/market-trends/boost-retirement-savings/) - There are dozens of excuses people make as to why they’re not saving for retirement. I’m too young, I don’t make enough money, or the infamous ‘What’s the rush?’. Whatever the reason may be, it’s important to understand that there are many ways to save that don’t entail extreme couponing or eating Ramen noodles every

## Pages

- [Homepage](https://nationsbranch.com/) - Looking for a bigger opportunity? At Nations we give every branch the opportunity to grow. Learn more Spend more time building your team and less time dealing with your back office. We offer unparalleled administrative support to help you focus on what matters. The benefits of being part of the Nations team doesn’t end there.
- [welcome to nations](https://nationsbranch.com/welcome-to-nations/) - We know the on-boarding process can be a bit overwhelming. In an effort to make your transition easier, we've created a simple reference list of steps and marketing items you need GET FB STARTED VIEW LIBRARY SCHEDULE VIDEO See Example LEARN MORE See Example VIEW EXAMPLE GET STARTED VIEW TEMPLATE VIEW THE STORE VIEW TEMPLATE
- [Tim Dowling leadership](https://nationsbranch.com/tim-dowling-leadership/) - Tim Dowling is the SVP Eastern Divisional Manager for Nations Lending. He is dedicated to expanding mortgage sales and operations. His extensive experience includes serving as a Senior Vice President at Guaranteed Rate, where he played a crucial role in the area's mortgage landscape. Prior to that, he spent almost ten years as the Vice
- [Leadership](https://nationsbranch.com/leadership/) - From the top down we are geared toward making our sales staff successful. Our senior leadership is only a few clicks away from handling any need that arises. We recognize that every producer working with us is here by choice. We do all we can to make sure each member of our team is happy
- [Partner Plus Internal](https://nationsbranch.com/partner-plus-internal/) - Please see the email for your access to the training video library.Optional Help SessionPartner + Resources: TutorialsResourcesTraining What is Partner Plus• Partner+ is a quick, easy and largely automated way to communicate with your entire database across multiple channels.• It’s the most advanced mortgage industry “logic based” automation support system available for content management and
- [Marketing LO](https://nationsbranch.com/marketing-lo/) - The marketing team at Nations is dedicated to developing tools that provide real world value for our Loan Officers. The menu below is an overview of our current platforms & lead systems. Facebook Content Not a social media whiz? Not a problem! Our marketing team will push engaging content to your social channels automatically. Email
- [Marketing BM](https://nationsbranch.com/marketing-bm/) - The marketing team at Nations is dedicated to developing tools that provide real world value for our Branch Managers. The menu below is an overview of our current platforms & lead systems. Facebook Leads Nations Lending has cracked the social media marketing code. Since our data warehouse is able to target exclusive leads that do
- [Cindy Levorah](https://nationsbranch.com/cindy-levorah/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Bruce](https://nationsbranch.com/bruce/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [TE Realtor PMA](https://nationsbranch.com/te-realtor-pma/) - We understand your time is limited, which is why we created a Marketing Assistant Program to provide you with the ultimate marketing support. When you sign up as a co-marketing partner just add your MLS Agent ID and MLS Association, and then our marketing assistant team will take it from there creating marketing materials you
- [Marketing Lost](https://nationsbranch.com/marketing-lost/)
- [Sign Up](https://nationsbranch.com/sign-up/) - This live webinar will be held on the first Thursday of every month at: 2pm EST, 1pm CST, 12pm MST, 11am PST.Scroll down to learn more: ATTEND MEETINGPasscode: 357036 We believe in adding real value to our referral partners’ businesses. We also believe in supporting our branch managers and loan officers out in the field.
- [Tim Dowling](https://nationsbranch.com/tim-dowling/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Jennifer Gipp](https://nationsbranch.com/jennifer-gipp/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Andrea](https://nationsbranch.com/andrea/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Martin Wilson](https://nationsbranch.com/martin-wilson/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Gary](https://nationsbranch.com/gary/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! I’ve been in the mortgage business for more than 20 years, and I believe that when you focus on
- [Terry Murray](https://nationsbranch.com/terry-murray/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Katie](https://nationsbranch.com/katie/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our branch partners and their referral partners’. We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation can change the
- [Michael Puyear](https://nationsbranch.com/michael-puyear/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Mike Towery](https://nationsbranch.com/mike-towery/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Steve Dieckhaus](https://nationsbranch.com/steve-dieckhaus/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [MMI](https://nationsbranch.com/mmi/) - What is Mobility Market Intelligence?It’s a business intelligence tool that puts you behind enemy lines with the ability to track and research real estate agents on both the buying and listing sides, as well as the loan officers and branch managers with whom they do business. View realtor rankings according to volume, or see brokerages
- [Mike Cass](https://nationsbranch.com/mike-cass/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [TE Realtor](https://nationsbranch.com/te-realtor/) - sign-up here Need to create an open house, new listing, or mortgage program flyer? Total Expert has you covered. Create dynamic, visually rich, flyers in just a few clicks. No more waiting on design vendors, local print shops or compliance approvals with our on-demand print marketing content library. The Marketing tools in Total Expert are
- [Crystal Recklein](https://nationsbranch.com/crystal-recklein/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Stacey Gross](https://nationsbranch.com/stacey-gross/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Chris Smith](https://nationsbranch.com/chris-smith/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Curt Lorden](https://nationsbranch.com/curt-lorden/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Chris Broadhurst](https://nationsbranch.com/chris-broadhurst/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Troy Barker](https://nationsbranch.com/troy-barker/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Jason Dorey](https://nationsbranch.com/jason-dorey/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Greg Griffin](https://nationsbranch.com/greg-griffin/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Ulysses Solis](https://nationsbranch.com/ulysses-solis/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Checkout](https://nationsbranch.com/checkout/)
- [Order Confirmation](https://nationsbranch.com/order-confirmation/) - Thank you for your order!
- [Order Failed](https://nationsbranch.com/order-failed/) - Your transaction failed, please try again or contact support.
- [Lance Stifflemire](https://nationsbranch.com/lance-stifflemire/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Sheryl Osborn](https://nationsbranch.com/sheryl-osborn/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Jeff Nelson](https://nationsbranch.com/jeff-nelson/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Wilkin Rodriguez](https://nationsbranch.com/wilkin-rodriguez/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Jason Schultz](https://nationsbranch.com/jason-schultz/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Jason Kutcher](https://nationsbranch.com/jason-kutcher/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Marketing Roadmap](https://nationsbranch.com/marketing-roadmap/) - MARKETING HELP MARKETING LAUNCH PAD
- [Social Survey](https://nationsbranch.com/experience/) - HOW DO I GET STARTED Step 1: Submit a request for a new account to Marketing Manager Stephanie Yu: Stephanie.Yu@nationslending.com Step 2: You will receive a “Welcome” email from Experience, prompting you to log in for the first time and to create your password Step 3: Add a photo to your new profile page Step
- [Anthony Gennuso](https://nationsbranch.com/anthony-gennuso/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Warren Alcorn](https://nationsbranch.com/warren-alcorn/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! My wife and business partner, Denise and I have been in the business more than 30 years and one
- [Matt & Andrew](https://nationsbranch.com/matt-andrew/) - For more than 15 years, Matthew Collett and Andrew Scripter have built their reputation on demonstrating residential lending experience and a deep commitment to providing customer service excellence.In an ever-changing marketplace, we understand how stressful buying a home can be. As a trusted lending partner with more than 45 years of collective expertise, the team
- [Joe Martinez](https://nationsbranch.com/joe-martinez/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [zoom-meetings/monthly-marketing-webinar/](https://nationsbranch.com/zoom-meetings-monthly-marketing-webinar/) - [zoom_api_link meeting_id=”82051357465″ link_only=”no”]
- [Lee Jean-Pierre](https://nationsbranch.com/lee-jean-pierre/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Lisa Kruzich](https://nationsbranch.com/lisa-kruzich/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Dominick Christiana](https://nationsbranch.com/dominick-christiana/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Michael Indaburu](https://nationsbranch.com/michael-indaburu/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Christopher Patille](https://nationsbranch.com/christopher-patille/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Michael Minyard](https://nationsbranch.com/michael-minyard/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Grisell](https://nationsbranch.com/grisell/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [our products](https://nationsbranch.com/our-products/) - BAYVIEW AIG Investor *Coming Soon *Link is only viewable to current employeesFHA & Streamline 203 K USDA Rural USDA Streamline *USDA (Other) *FHA (Other) VA IRRRL *VA (Other) Fannie Mae Heloc Freddie Mac SEE ALL *Link is only viewable to current employees*DPA Programs *Link is only viewable to current employees*View Product Info *Please note all
- [Jumbo](https://nationsbranch.com/jumbo/) - Loans in all shapes and sizes, for purchase and refinance, amounts up to $3 million. Don't turn down these highly qualified borrowers simply because they don't fit into a conventional loan box. Correspondent Non-Delegated Bayview Jumbo• You need a flexible Jumbo option across multiple credit characteristics (I.e., up to 49.99 DTI) • Financing up to
- [Lisa Bright](https://nationsbranch.com/lisa-bright/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [AIG Jumbo](https://nationsbranch.com/aig-jumbo/) - Criterias sample 1 Product 1 Summary (mandatory) Full Doc Jumbo product for strong credit borrower with a full 2-year income assessment and reserves requiring 6 – 18 months. Target Borrowers (Mandatory) Borrowers that need financing that exceeds conforming loan limits and have a credit score > 680 and reserves from 6 to 18 months Products
- [Kyle Lott](https://nationsbranch.com/kyle-lott/) - Hi, my name is Kyle Lott and I’m a branch manager operating out of our Plano, Texas office. Locally, I am focused on the DFW metroplex. With over 10 years experience in the mortgage industry I've developed a simple principle: be passionate about helping clients and the community! At Nations Lending we’re always working hard
- [AIG](https://nationsbranch.com/aig/) - Loans in all shapes and sizes, for purchase and refinance, amounts up to $3 million. Don't turn down these highly qualified borrowers simply because they don't fit into a conventional loan box. Correspondent Non-Delegated AIG Investor• DTI up to 43%; 38% for FTHB • Owner-Occupied: 5% required from borrower’s own funds; remaining may be from
- [Bayview](https://nationsbranch.com/bayview/) - Feature Jumbo QM Jumbo Plus QM Jumbo Non-QM Jumbo Plus Non-QM Loan Types 20,25, 30 year fixed rate term 20,25, 30 year fixed rate term 20,25, 30 year fixed rate term 20,25, 30 year fixed rate term Maximum Loan Amount $2,500,000 $2,000,000 $2,000,000 Maximum Loan Amount FTHB $1,500,000 $1,500,000 $1,500,000 $1,500,000 Minimum Loan Amount $548,251
- [Judy Marburger](https://nationsbranch.com/judy-marburger/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Brian Mader](https://nationsbranch.com/brian-mader/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Vision21](https://nationsbranch.com/vision21/) - In the nearly two decades which followed, our company’s co-founders, who are also our company’s co-owners -- CEO Jeremy Sopko and President Bill Osborne – fortified the foundation of their dream through compassion. The foundation of the company’s financial success and employee growth was made stronger, made whole by how we continually serve our customers,
- [Wel dev](https://nationsbranch.com/wel-dev/) - We know the on-boarding process can be a bit overwhelming. In an effort to make your transition easier, we've created a simple reference list of steps and marketing items you need GET FB STARTED GET FB STARTED VIEW LIBRARY SCHEDULE VIDEO LEARN MORE SCHEDULE NOW VIEW TEMPLATE VIEW THE STORE VIEW TEMPLATE VIEW TEMPLATE LEARN
- [Ops](https://nationsbranch.com/ops/) - Nations Lending in embarking on a series of candid mini-documentaries during 2021. Our film crew will follow members of the operations team through a variety of loan scenarios. We're dedicated to building a better 'Ops' experience for the borrower and our branch partners. True growth starts with honest evaluation.
- [Ops Roadmap](https://nationsbranch.com/ops-roadmap/) - Meet the Team Scenario Desk Overlays
- [Eric Roman](https://nationsbranch.com/eric-roman/) - Eric Roman, Nations Lending’s Executive Vice President for Technology, is one of the nine original employees who have been with the company since its founding in 2003. In his role, Eric is responsible for overseeing the company’s strategic creation and implementation of digital technology for all mortgage lending platforms, including mobile app and automated marketing
- [Ken Ferranti](https://nationsbranch.com/ken-ferranti/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Kathryn](https://nationsbranch.com/kathryn/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! Come see how Joining the Nation can change the way you do business for the better! Tools not toysLEARN
- [Allison Kim](https://nationsbranch.com/allison-kim/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The Nation
- [Realtor Support](https://nationsbranch.com/realtor-support/) - At Nations Lending we try to provide the best service possible to our valued realtor and want to make using the tools on our co-branded Total Expert marketing platform as easy as possible for you. We hope you’ll find the support you’re looking for in our sections below with topic specific help videos. Creating New
- [Sheri Hug](https://nationsbranch.com/sheri-hug/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Come see how Joining The Nation can change the way you do business for the better! Feel free to review the information below and let me know if you have any questions. Tools not toysLEARN MORE A different approachLEARN MORE
- [Justin](https://nationsbranch.com/justin/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Come see how Joining the Nation can change the way you do business for the better! Tools not toysLEARN MORE A different approachLEARN MORE We're there step by stepLEARN MORE Welcome PackLEARN MORE A different approachLEARN MORE Loan Officer Marketing
- [Don](https://nationsbranch.com/don/) - Thank you for your interest in Nations Lending (the home of home loans made human)! Feel free to review the information below and let me know if you have any questions. Tools not toysLEARN MORE A different approachLEARN MORE We're there step by stepLEARN MORE Welcome PackLEARN MORE A different approachLEARN MORE Loan Officer Marketing
- [Corey](https://nationsbranch.com/corey/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! Come see how Joining the Nation can change the way you do business for the better! Tools not toysLEARN
- [Recruit Tiles no Products](https://nationsbranch.com/recruit-tiles-no-products/) - Tools not toysLEARN MORE A different approachLEARN MORE We're there step by stepLEARN MORE Welcome PackLEARN MORE A different approachLEARN MORE Loan Officer Marketing Asst.LEARN MORE
- [Second Mortgage SpringEQ](https://nationsbranch.com/second-mortgage-springeq/) - CLICK THIS LINK BEFORE YOU BEGIN Product Home Equity Update 7/9/20 Summary (mandatory) Target Borrowers (Mandatory) Products Standalone 2nd mortgages MAX Loan Amount $500,000 Min FICO 680 to 85% CLTV 740 to 90% CLTV Max LTV 90% CLTV Cash Out $500,000 max Housing History 0X30 in past 24 months Bankruptcy 4 years Income Doc Full
- [HELOC](https://nationsbranch.com/heloc/) - Broker Non-Delegated Spring EQ – HELOC:• Minimum FICO 700 up to 85% CLTV • Minimum FICO 740 up to 90% CLTV • W2 income only LEARN MORESpring EQ – Piggyback with HELOC 2nd:• Minimum FICO 700 up to 85% CLTV • Minimum FICO 740 up to 90% CLTV • W2 income only LEARN MORE
- [HELOC Spring EQ](https://nationsbranch.com/heloc-spring-eq/) - CLICK THIS LINK BEFORE YOU BEGIN Criterias sample 1 Product 2 Product 3 Summary (mandatory) Target Borrowers (Mandatory) Products HELOC Piggyback with HELOC 2nd MAX Loan Amount $500,000 $500,000 Min FICO 700 up to 85% CLTV 740 up to 90% CLTV 700 up to 85% CLTV 740 up to 90% CLTV Max LTV 90% CLTV
- [Loma](https://nationsbranch.com/loma/) - What does a LOMA do? They’re dedicated to managing the time-consuming elements of the Partner + (Total Expert) Marketing platform and realtor partner marketing needs. They also focus on assisting the loan officer with growing their realtor network and contact management. The Loan Officer Marketing Assistant program provides Personalized Marketing Support with a focus on
- [Todd Kolek](https://nationsbranch.com/todd-kolek/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! I’ve been growing my referral network in the Houston area for more than 5 years now. I believe that customer service outweighs salesmanship at every turn in the mortgage process, and our partners appreciate that. Here's an overviewLEARN MORE We're
- [Lance Lagarce](https://nationsbranch.com/lance-lagarce/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! I’ve been in the mortgage business in the Houston area for more than 5 years, and I believe that
- [Josue](https://nationsbranch.com/josue/) - Thank you for your interest in Banker 1 - powered by Nations Lending. We’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! I’ve been in this business for more than 20 years and one of the principles that has guided me is my emphasis on building relationships.
- [Jason Yates](https://nationsbranch.com/jason-yates/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! I’ve been growing my referral network in Maryland for 17 years now. I believe when that when you focus on forming relationships, the sale naturally follows. Come see how Nations Lending can change the way you do business!Feel free to
- [Cissy Bacon](https://nationsbranch.com/cissy-bacon/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! I’ve been in the mortgage business in Mobile for more than 15 years, and I believe that when you
- [Bryan Neal](https://nationsbranch.com/bryan-neal/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! I’ve been growing my referral network in the Houston area for seven years. I believe that when you establish a relationship, the sale naturally follows. Come see how joining The Nation could change your life!Feel free to review the information
- [Bethany Ashby](https://nationsbranch.com/bethany-ashby/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! I’ve been growing my referral network in East Texas for more than 10 years now. I believe that customer service outweighs salesmanship at every turn in the mortgage process. I’d love to bring more producers to my team who share
- [Barry Hill](https://nationsbranch.com/barry-hill/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! Here at Nations Lending — LA, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We believe that when the relationship is established, the sale naturally follows. Come see how joining The
- [Tech](https://nationsbranch.com/tech/) - Nations intranet, or Loop, is the launchpad for all company information and announcements. Content is updated daily from Underwriting and other key departments. Searchable loan guidelines & quick reference sheets for unique products are easily accessible. Pre-configured hardware & software ready to go from day 1. Our dedicated IT support team features experts, for every
- [Freddie Mac HomePossible](https://nationsbranch.com/freddie-mac-homepossible/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD Home Possible FAQHome Possible Program OverviewHome Possible Resources
- [Fannie Mae HomeReady](https://nationsbranch.com/fannie-mae-homeready/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD Home Ready Fact SheetHomeReady Program OverviewHomeReady Quick Start GuideHomeReady FAQ
- [USDA Streamline](https://nationsbranch.com/usda-streamline/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD USDA Streamline OverviewUSDA Eligibility CheckUSDA Streamline Fact Sheet
- [USDA Rural](https://nationsbranch.com/usda-rural/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD USDA Program OverviewUSDA Program FactsheetEligibility Check
- [VA IRRRL Page 2](https://nationsbranch.com/va-irrrl-page-2/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD VA Program OverviewCOE Requirements
- [FHA & Streamline (Page 2)](https://nationsbranch.com/fha-streamline-2/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD Hud 4000.1
- [FHA 203K (Rehab)](https://nationsbranch.com/fha-203k-rehab/) - Nations Lending Processing Manager:Dawn Thompson Direct: 440-809-8711 Dawn.thompson@nationslending.comNations Lending Scenario Desk:VIEW FAQ's Nations Lending Underwriting ResourcesMatrices TBD Hud 4000.1Program Overview203K Property Calculator
- [Citadel ITIN](https://nationsbranch.com/citadel-itin/) - CLICK THIS LINK BEFORE YOU BEGIN Criterias sample 1 Product 4 Summary (mandatory) NON PRIME DSCR Target Borrowers (Mandatory) NO DOC & NO JOB Products DSCR NOO MAX Loan Amount 2,000,000 Min FICO 650 Max LTV 80 Cash Out YES Housing History MAX 1/30 Bankruptcy 24 months Income Doc NO DOC & NO JOB Business
- [Wells Fargo Jumbo](https://nationsbranch.com/wells-fargo-jumbo/) - CLICK THIS LINK BEFORE YOU BEGIN Table: 1 of 2 Wells Fargo Jumbo Product Purchase & Rate Term Refinance Occupancy Loan Amount Min FICO Units Max LTV/CLTV Primary ≤.75 mil 700 (Fixed Rate) 720 (ARMS) 1 80% 1-2 75% 2 75% 3-4 70% >$750,000–$1,000,000 1 80% 1-2 75% 2 75% 3-4 70% >$1,000,000–$1,500,000 1 80%
- [Chase Jumbo](https://nationsbranch.com/chase-jumbo/) - CLICK THIS LINK BEFORE YOU BEGIN Chase Jumbo Product Purchase & Rate Term Refinance Occupency Property Type LTV FICO Max Loan Amout Primary 1 Unit / PUD / Condo / Co-op 85/85/85% 700 3 mil 80/80/80% 680 2 Units 80/80/80% 700 3 mil Cannot use rental income from subject to qualify for LTV/CLTV/HCLTVs > 75%
- [New Rez Jumbo](https://nationsbranch.com/new-rez-jumbo/) - CLICK THIS LINK BEFORE YOU BEGIN Table: 1 of 2 Purchase & Rate Term Refinance Occupancy Loan Amount FICO Units LTV/CLTV Reserves Required Primary 3.0 mil (20, 25, 30 Year) 2.5 mil (15 Year) 740 1 70% 18 Months 2.0 mil 680 80% 15 Months 1.0 mil 90% 6 Months 1.5 mil 700 1-2 90%
- [Caliber Jumbo](https://nationsbranch.com/caliber-jumbo/) - CLICK THIS LINK BEFORE YOU BEGIN Table: 1 of 2 Caliber Jumbo Product Purchase and Rate Term Refinance Occupancy Loan Amount Units FICO LTV/CLTV Primary 1.5 mil 1 720 89.99/89.99 Purchase and fixed only 2.5 mil 80/89.99 2.0 mil 700 80/89.99 2.25 mil 75/85 2.5 mil 80/85 1.5 mil 680 70/80 1.5 mil 2-4 720
- [Angel Oak Nonwarrantable](https://nationsbranch.com/angel-oak-nonwarrantable/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 5 Criteria PLATINUM PLATINUM >90% NonQM Profile Category Bank Statement; Interest Only; High LTV; Non Warrantbale Condo High LTV; Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Full Maximum Loan Amount 3MM 1.5MM Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM 30 yr
- [Angel Oak Fresh Start](https://nationsbranch.com/angel-oak-fresh-start/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria NON-PRIME ≤ 80% NON-PRIME >80% NonQM Profile Category Fresh Start; Low Score; Non Warrantable Condo Fresh Start; High LTV; Non Warrantable Condo Documentation Full Full Maximum Loan Amount 1MM 750K Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM 30 yr fixed or 5/1 ARM Interest Only
- [Angel Oak High LTV](https://nationsbranch.com/angel-oak-high-ltv-2/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Criteria PLATINUM PLATINUM >90% NonQM Profile Category Bank Statement; Interest Only; High LTV; Non Warrantbale Condo High LTV; Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Full Maximum Loan Amount 3MM 1.5MM Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM 30 yr
- [Angel Oak Asset Qualifier](https://nationsbranch.com/angel-oak-asset-qualifier/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria PLATINUM ASSET QUALIFER PORTFOLIO SELECT ASSET QUALIFER NonQM Profile Category Asset Qualifier; Interest Only; Non Warrantable Condo Asset Qualifier; Interest Only; Non Warrantable Condo Documentation Asset Only Asset Only Maximum Loan Amount 3MM 3MM Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM 30 yr fixed or
- [Angel Oak Investor](https://nationsbranch.com/angel-oak-investor/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria PORTFOLIO SELECT INVESTOR CASH FLOW NonQM Profile Category Bank Statement; Interest Only; High LTV; Investor, Non Warrantable Condo Investor; No Income; Interest Only; Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Debt Service Covergae Ratio Maximum Loan Amount 3MM 1.5MM Loan Term/Mortgage Rate Type 30 yr fixed
- [Citadel Bank Statements](https://nationsbranch.com/citadel-bank-statements/) - CLICK THIS LINK BEFORE YOU BEGIN Criterias sample 1 Product 1 Summary (mandatory) 12 months bank state Target Borrowers (Mandatory) NON QM Products PERSONAL OR BIZ BS MAX Loan Amount 3,000,000 Min FICO 600 Max LTV 80 Cash Out YES Housing History 0/60 Bankruptcy 24 months Income Doc bank statements – full doc Business Ownership
- [Angel Oak Bank Statements](https://nationsbranch.com/angel-oak-bank-statements/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria PLATINUM PORTFOLIO SELECT NonQM Profile Category Bank Statement; Interest Only; High LTV; Non Warrantbale Condo Bank Statement; Interest Only; High LTV; Investor, Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Full/1 Yr tax return/Bank Statement Maximum Loan Amount 3MM 3MM Loan Term/Mortgage Rate Type 30 yr fixed
- [Citadel Foreign National](https://nationsbranch.com/citadel-foreign-national/) - CLICK THIS LINK BEFORE YOU BEGIN Criterias sample 1 Product 2 Summary (mandatory) Foreign National Target Borrowers (Mandatory) NO SS # & NO US cit Products stated income, NOO MAX Loan Amount 3,000,000 Min FICO NO FICO Max LTV 65 Cash Out YES Housing History NO CREDIT PULLS Bankruptcy NO CREDIT PULLS Income Doc stated
- [Angel Oak Foreign National](https://nationsbranch.com/angel-oak-foreign-national/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria FOREIGN NATIONAL NonQM Profile Category Foreign National; Investor; Non Warrantable Condo Documentation Full Maximum Loan Amount 750K Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM Interest Only N/A Bankruptcy Seasoning N/A DTI 50% Credit Score (min) N/A Foreclosure, Short Sale, Deed-in-Lieu N/A Occupancy Investment Property Min.
- [Bridge](https://nationsbranch.com/bridge/) - Bridge Training Weekly training sessions held each Friday at 12 noon EST.Our marketing subject matter experts will show you how Bridge can:• Knock down your time completing each file by 50% • Allow users to submit docs securely, while on the go • Help you convert more deals!Go to Webinar Help CenterVideo TrainingMore InfoUseful LinksHOI
- [Non Warrantable Condo](https://nationsbranch.com/non-warrantable-condo/) - It can be frustrating for borrowers to learn that the condo they’re looking at is classified as non-warrantable, but have no fear. There are options, whether the loan is for a primary residence, a vacation home or an investment property. Broker Non-Delegated Angel Oak – NON-PRIME ≤ 80%• 75% LTV for credit scores down to
- [Interest Only](https://nationsbranch.com/interest-only/) - For borrowers who need to keep control of their cash flow and keep costs low in the short term. Small business owners, investors and those whose income relies heavily on bonuses or commission checks should consider the Interest-Only Program. Broker Non-Delegated Sprout Mortgage – Premier Jumbo E1• 90% SFR Purchase to $1M • Cash-out can
- [Fresh Start](https://nationsbranch.com/fresh-start/) - Recovering from a past bankruptcy or foreclosure doesn’t have to happen over a matter of years. In the Fresh Start program, we empower buyers who are ready to turn the page and start building back their financial standing and the dream of homeownership. Broker Non-Delegated Angel Oak – NON-PRIME ≤ 80%• 75% LTV for credit
- [High LTV](https://nationsbranch.com/high-ltv/) - For borrowers with good credit history, but without the assets for a large down payment. Whether they just need a little more home for their money, a second home or an investment property, high-LTV doesn’t have to equate with high-risk. Broker Non-Delegated Angel Oak - NON-PRIME >80%• Debt Consolidation up to 90% LTV LEARN MOREAngel
- [Asset Utilization](https://nationsbranch.com/asset-utilization/) - Finally, true investor loan programs with rates closer to prime than hard money. Buyers may be able to qualify based on the cash flow of other investment properties, rather than personal income. Broker Non-Delegated Angel Oak - PLATINUM ASSET QUALIFER• Perfect for Borrowers with High Net Worth and Significant Assets • No other income required
- [Investor](https://nationsbranch.com/investor/) - Finally, true investor loan programs with rates closer to prime than hard money. Buyers may be able to qualify based on the cash flow of other investment properties, rather than personal income. Broker Non-Delegated Angel Oak - PORTFOLIO SELECT• Perfect for Borrowers with High Net Worth and Significant Assets • No other income required LEARN
- [Bank Statement](https://nationsbranch.com/bank-statement/) - For borrowers who have turned their vision into a successful small business and who need to make sure their home loan works as hard as they do for their families. Bank statement loans are perfect options for self-employed borrowers who do not have tax documents to prove their ability to pay. Broker Non-Delegated Angel Oak
- [Foreign National](https://nationsbranch.com/foreign-national/) - For those borrowers looking for a home or a piece of real estate in the United States, our foreign national home loan program is tailored toward those who lack credit history in the U.S. but are looking to purchase a primary residence, second home, or investment property here. This program makes it easier than ever
- [Citadel Investor](https://nationsbranch.com/citadel-investor/) - CLICK THIS LINK BEFORE YOU BEGIN Criterias sample 1 Product 4 Summary (mandatory) NON PRIME DSCR Target Borrowers (Mandatory) NO DOC & NO JOB Products DSCR NOO MAX Loan Amount 2,000,000 Min FICO 650 Max LTV 80 Cash Out YES Housing History MAX 1/30 Bankruptcy 24 months Income Doc NO DOC & NO JOB Business
- [ITIN](https://nationsbranch.com/itin/) - Broker Non-Delegated Citadel - ITIN• MAX LTV on PURCHASE is 80 LTV/CLTV with a 700+ MID FICO • MAX LTV on REFINANCE is 75 LTV/CLTV with a 700+ MID FICO • 600 MID FICO- up to 65 LTV • 650 MID FICO- up to 75 LTV • MIN LOAN AMOUNT is 100,000 • MAX LOAN
- [NewRez Fresh Start](https://nationsbranch.com/newrez-fresh-start/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartTrac Full Doc For Borrowers Who: Have suffered a recent isolated derogatory event Max LTV 85% Purch/RT 80% Cash Out Max DTI 50% W2 Current Paystub Yes Tax Returns – 4506t Yes Derogatory Credit Seasoning BK, SS, DIL: 12mo. Mortgage History Multiple 30s OK 0x60x12 Asset Amortization Allowed
- [NewRez High LTV](https://nationsbranch.com/newrez-high-ltv/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Asset Amortization Smart Edge & Smart Edge Plus SmartSelf & SmartSelf Plus Alt Doc For Borrowers Who: Are unable to secure tradition- alt lending Qualify with 12 mo. bank statements Max LTV 95% P/RT, no MI Plus: 85% w/derog 80% CO, no MI Plus: 80
- [NewRez Asset Qualification](https://nationsbranch.com/newrez-asset-qualification/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartFunds Asset Qualifier For Borrowers Who: Qualify using eligible assets Max LTV 90% Purch/RT 85% Cash Out Max DTI Not Calculated W2 Current Paystub No Tax Returns – 4506t No Derogatory Credit Seasoning BK, FC, SS, DIL: 4yrs Mortgage History 1x30x12: P/RT 0x30x12: CO Asset Amortization Asset Qualification
- [NewRez Bank Statement Loan](https://nationsbranch.com/newrez-bank-statement-loan/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartSelf & SmartSelf Plus Alt Doc For Borrowers Who: Qualify with 12 mo. bank statements Max LTV 90% P/RT, no MI 85% Cash Out Max DTI 50% W2 Current Paystub Optional Tax Returns – 4506t No Derogatory Credit Seasoning 4yrs (Plus Program: 2-4yrs) Mortgage History 1x30x12 (Plus Program:
- [NewRezNon Warrantable Condo](https://nationsbranch.com/newrez-non-warrantable-condo/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartCondo Non-Warr. Condos & Condotels For Borrowers Who: Condo doesn’t meet agency guidelines Max LTV 90% Purch/RT (Condotel: 80%) 80% Cash Out (Condotel: Not Permitted) Max DTI 45% W2 Current Paystub Yes Tax Returns – 4506t Yes Derogatory Credit Seasoning BK, SS, DIL: 4yrs FC: 5yrs Mortgage History 0x30x12 Asset
- [NewRez Interest Only](https://nationsbranch.com/newrez-interest-only/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 3 Product Smart Edge & Smart Edge Plus SmartTrac Full Doc For Borrowers Who: Are unable to secure tradition- al lending Have suffered a recent isolated derogatory event Max LTV 95% P/RT, no MI Plus: 85% w/derog 80% CO, no MI Plus: 80 % w/derog 85%
- [Deep Haven Interest Only](https://nationsbranch.com/deep-haven-interest-only/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 3 Expanded Prime Near Prime Credit Max LTV OO 90% OO 95% NOO 85% FICO 660+ 620+ Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 2,500,000 $ 3,000,000 Debt Ratios Max DTI 43% 50% Enhanced DTI (to 50%) √ √ Enhanced DTI (to 55%) Not
- [Deep Haven Fresh Start](https://nationsbranch.com/deep-haven-fresh-start/) - CLICK THIS LINK BEFORE YOU BEGIN Non-Prime Credit Max LTV OO 90% NOO 80% FICO OO 500+ NOO 580+ Loam Amount Minimum $ 100,000 Maximum $ 2,000,000 Debt Ratios Max DTI 43% Enhanced DTI (to 50%) √ Enhanced DTI (to 55%) √ (Not allowed for NOO) Income Documentation Full Doc √ Asset Depletion √ (Not
- [Deep Haven High LTV](https://nationsbranch.com/deep-haven-high-ltv/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Expanded Prime Near Prime Credit Max LTV OO 90% OO 95% NOO 85% FICO 660+ 620+ Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 2,500,000 $ 3,000,000 Debt Ratios Max DTI 43% 50% Enhanced DTI (to 50%) √ √ Enhanced DTI (to 55%) Not
- [Deep Haven Asset Qualifier](https://nationsbranch.com/deep-haven-asset-qualifier-2/) - CLICK THIS LINK BEFORE YOU BEGIN Near Prime Foreign National Credit Max LTV OO 95% NOO 85% 75% FICO 620+ N/A Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 3,000,000 $ 1,500,000 Debt Ratios Max DTI 50% 50%/N/A Enhanced DTI (to 50%) √ N/A Enhanced DTI (to 55%) √ (Not allowed for NOO) N/A
- [SG Asset Qualification](https://nationsbranch.com/sg-asset-qualification/) - CLICK THIS LINK BEFORE YOU BEGIN Product EA Core EA Plus Summary For borrowers with extensive assets (retired, inherited) who want to qualify for a mortgage based on income from assets For borrowers with extensive assets (retired, inherited) who want to qualify for a mortgage based on income from assets. Target Borrowers Retirees, recent beneficiaries
- [NewRez Investor](https://nationsbranch.com/newrez-investor/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartVest No DTI Calc For Borrowers Who: Are experienced real estate investors Max LTV 80% Purch/RT 75% Cash Out Max DTI Not Calculated W2 Current Paystub No Tax Returns – 4506t No Derogatory Credit Seasoning 4yrs (2-4yrs with restrictions) Mortgage History 0x30x12 Asset Amortization N/A Max Cash Out
- [Deep Haven Investor](https://nationsbranch.com/deep-haven-investor/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Investor Advantage Non-Prime (Full Doc) Credit Max LTV 80% OO 90% NOO 80% FICO 620+ OO 500+ NOO 580+ Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 2,000,000 $ 2,000,000 Debt Ratios Max DTI N/A 43% Enhanced DTI (to 50%) N/A √ Enhanced DTI
- [SG Investor](https://nationsbranch.com/sg-investor/) - CLICK THIS LINK BEFORE YOU BEGIN EA Core EA Plus Investor Select Summary Non-Agency NOO Program with expansions to Agency Guides such as Non Prime Credit and Alt Doc Non-Agency NOO Program with expansions to Agency Guides such as Near Prime Credit and Alt Doc DSCR or No Ratio Business Purpose Loan Program Target Borrower
- [Deep Haven Bank Statement](https://nationsbranch.com/deep-haven-bank-statement/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Expanded Prime Near Prime Credit Max LTV OO 90% OO 95% NOO 85% FICO 660+ 620+ Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 2,500,000 $ 3,000,000 Debt Ratios Max DTI 43% 50% Enhanced DTI (to 50%) √ √ Enhanced DTI (to 55%) Not
- [SG Bank Statement Loan](https://nationsbranch.com/sg-bank-statement-loan/) - CLICK THIS LINK BEFORE YOU BEGIN Product EA Core EA Plus Summary For the self-employed borrower with more expansive features allowed, such as a prior credit event, higher DTI, non-warrantable condo For the self-employed borrower with prime or near prime credit because they take extensive tax deductions Target Borrowers Minimum 580 FICO with a recently
- [Deep Haven Foreign National](https://nationsbranch.com/deep-haven-foreign-national/) - CLICK THIS LINK BEFORE YOU BEGIN Foreign National Credit Max LTV 75% FICO N/A Loam Amount Minimum $ 100,000 Maximum $ 1,500,000 Debt Ratios Max DTI 50%/N/A Enhanced DTI (to 50%) N/A Enhanced DTI (to 55%) N/A Income Documentation Full Doc √ Asset Depletion √ 24 Month Personal Statements Not Allowed 24 Month Business Statements
- [SG Foreign National](https://nationsbranch.com/sg-foreign-national/) - CLICK THIS LINK BEFORE YOU BEGIN Product Foreign Nationals: EA Core Summary Investor/second home loans for a person who is not a citizen of the United States and/or does not permanently reside in the US Ineligible Borrowers Green card holders, borrowers from countries listed in OFAC and SDN, diplomatic immunity, irrevocable or blind trusts Products
- [Accounts Payable Roadmap](https://nationsbranch.com/accounts-payable-roadmap/) - Expense Policy Expense Ticket Reimbursement Department Contacts
- [Compliance Roadmap](https://nationsbranch.com/compliance-roadmap/) - COMPLIANCE TEAM OVERVIEW VENDOR REQUEST VENDOR PROCEDURES CO-MARKETING NLCU LOGIN
- [Second Mortgage](https://nationsbranch.com/second-mortgage/) - Start a business. Make a major home repair. Be there for loved ones in their time of need. Get all the cash you need, when you need it, with a Second Mortgage. Broker Non-Delegated Spring EQ – Home Equity• 90% CLTV on standalones(no piggybacks), including second homes, and Condos – No Condo Questionnaire! • Up
- [Funding Roadmap](https://nationsbranch.com/funding-roadmap/) - FUNDING WITH NATIONS FUNDING QUICK TIPS BLUE & GRAY FUNDING RESOURCES CONTACT LIST
- [HR Roadmap](https://nationsbranch.com/hr-roadmap/) - BENEFITS GUIDE BAC CARD EXAMPLE ComPsych GUIDE HR DIRECTORY WORKDAY INTRO MISSED TIME PUNCH TIME TRACKING
- [Help p2](https://nationsbranch.com/help-p2/)
- [Marketing](https://nationsbranch.com/marketing-help/)
- [Marketing Meetings](https://nationsbranch.com/marketing-meetings/) - Need a little help with the CRM? Interested in learning more about our marketing tools? Remote learning sessions are the perfect solution. Branch Manager Meeting Hosted by Corey Caster, this town hall format address current news and information.Occurs / Every Wednesday at 3:00 PM ESTRegister Now Partner Plus Training Part 1 Do a deep dive
- [Servicing Roadmap](https://nationsbranch.com/servicing-roadmap/) - SERVICING FAQ LOANCARE LINK
- [Hello](https://nationsbranch.com/hello/) - Thank you for your interest in Nations Lending. One of our guiding principles is a keen focus on building relationships in this business and in each community we serve. We equip all of our branch partners with the tools and personal support to do just that. When you build relationships, sales naturally follow. Here's an
- [IT Roadmap](https://nationsbranch.com/it-roadmap/) - IT OVERVIEW
- [Licensing Roadmap](https://nationsbranch.com/licensing-roadmap/) - LICENSING OVERVIEW
- [Agency Direct](https://nationsbranch.com/agency-direct/)
- [East Side Branch](https://nationsbranch.com/east-side-branch/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! We’re proud to have opened the first Nations Lending branch together in 2008, and of all the growth we’ve
- [On boarding](https://nationsbranch.com/on-boarding/) - Nations intranet, or Loop, is the launchpad for all company information and announcements. Content is updated daily from Underwriting and other key departments. Searchable loan guidelines & quick reference sheets for unique products are easily accessible. Pre-configured hardware & software ready to go from day 1. Our dedicated IT support team features experts, for every
- [Jeremy Sopko](https://nationsbranch.com/jeremy-sopko/) - Jeremy Sopko is co-founder and CEO of Nations Lending Corporation™, headquartered in the Cleveland suburb of Independence, Ohio. He started the business with life-long friend Bill Osborne in 2003 and just seven other employees. Today, Nations Lending has helped more than 50,000 families achieve home ownership and/or refinance existing mortgages, and reached the milestone of
- [bear](https://nationsbranch.com/bear/) - Market shifts are inevitable in our industry. So how does Nations Lending address constant change? Simple. We never stop providing adaptive support to our branch partners. Progress isn’t just a corporate mantra, it’s a commitment to making each branch competitive in their market. It’s real world solutions & individualized support. Want to learn more? Here are
- [Michael Licciardi](https://nationsbranch.com/michael-licciardi/) - Thank you for your interest in Nations Lending (the home of Home Loans. Made Human)! Here at Nations Lending, we’re hard at work adding value to our referral partners’ businesses, because it helps feed our own! Come see how Joining the Nation can change the way you do business for the better! Here's an overviewLEARN
- [Thank You](https://nationsbranch.com/thank-you/) - Recent Press
- [Mark Schneider](https://nationsbranch.com/mark-schneider/) - Thank you for your interest in Nations Lending (the home of home loans made home)! Feel free to review the information below and let me know if you have any questions. Here's an overviewLEARN MORE We're there step by stepLEARN MORE Tools not toysLEARN MORE Welcome Pack - 2020LEARN MORE A different approachLEARN MORE A
- [Hersch Tempkins](https://nationsbranch.com/hersch-tempkins/) - Thank you for your interest in Nations Lending (the home of home loans. made human)! I’ve been growing my referral network in the Tucson area for more than 20 years now. I believe that customer service outweighs salesmanship at every turn in the mortgage process. I’d love to bring more producers to my team who
- [Hello Recruiter](https://nationsbranch.com/grow-with-nations/) - Make your next career move with purpose by becoming the next sales superstar at Nations Lending. We bake the idea of "home loans. made human." into every mortgage we write. We couple that personal service with the all the tech tools you'll need to win in this business, whether you're a consumer-direct shop or more
- [Howard Lee](https://nationsbranch.com/howard-lee/) - Howard Lee is the Vice President of Digital Marketing for Nations Lending. In his role, Howard leads the company’s Marketing team, creating strategic and innovative initiatives which drive business metrics for Nations Lending. He also oversees all distributed retail demand generation.Upon joining Nations Lending in 2015, Howard’s global marketing experience spanned more than 10 years,
- [Jeff Goshert](https://nationsbranch.com/jeff-goshert/) - Jeff Goshert is the Chief Compliance Officer for Nations Lending. In his role, Jeff is responsible for making sure company policy and procedures align with industry regulations at the state and federal level and that all company employees understand and adhere to them.Jeff joined Nations Lending in 2012 and has been in financial services for
- [Cheryl Lieber](https://nationsbranch.com/cheryl-lieber/) - Cheryl Lieber, Nations Lending’s Chief Administrative Officer, is one of the nine original employees who have been with the company since its founding in 2003. In her role, Cheryl manages the administrative operations for the entire company -- more than 700 employees and more than 70 branches nationwide.With nearly two decades of experience as an
- [Dave Critzer](https://nationsbranch.com/dave-critzer/) - Dave Critzer is the Chief Financial Officer for Nations Lending. In his role, Dave is responsible for managing the company’s strategic financial planning, as well as overseeing other integral areas of the business such as servicing, funding, post-closing and shipping.With more than 20 years’ experience as a CFO in the financial services industry, Dave joined
- [Jim Collier](https://nationsbranch.com/jim-collier/) - Jim Collier, Nations Lending‘s Executive Vice President of Operations, is responsible for oversight of the mortgage loan fulfillment process. As well as overseeing the processing, underwriting, closing, and disclosures departments, Jim will collaborate with the Leadership team on new products, from selection to adoption and training. Jim joined Nations Lending in 2019, with more than
- [Bill Osborne](https://nationsbranch.com/bill-osborne/) - William L. (Bill) Osborne JR is the President, Co-Owner & Co-Founder of Nations Lending Corporation™. In 2003, at the age of 25, Osborne established the Independence, Ohio-based company with business partner, Jeremy Sopko.Bill’s vision for success and his ability to stay ahead of the industry curve is invaluable to the company’s success. Bill’s calm demeanor
- [MBS](https://nationsbranch.com/mbs/) - How do I get Started? Step 1: Step 1: Submit a request for a new account to Marketing Manager Stephanie Yu: Stephanie.Yu@nationslending.com Step 2: You will receive a “Welcome” email from MBS Highway, prompting you to log in for the first time and to create your password Step 3: Branch Managers and participating loan officers
- [Fannie Mae Page 1](https://nationsbranch.com/fannie-mae/) - HomeReady• Have low income • Are first-time or repeat homebuyers • Have limited cash for down payment • Have a credit score ≥ 620; borrowers with credit scores ≥ 680 may get even better pricing LEARN MOREMore Fannie Mae Products LEARN MORE
- [VA & IRRRL Page 1](https://nationsbranch.com/va-irrl-page-1/) - VA IRRRL• Refinance your existing VA loan to a lower interest rate. • This loan can be done with "no out of pocket money" by including all costs in the new loan, or by making the new loan at an interest rate high enough to enable you to pay the costs. • The VA does
- [USDA & Streamline Page 1](https://nationsbranch.com/usda-streamline-page-1/) - USDA (Rural Loans)• Is without “decent, safe and sanitary housing” • Is unable to secure a home loan from traditional sources • Has an adjusted income at or below the low-income limit for the area where they live • 0% down LEARN MOREUSDA Streamline• No new appraisal required, except for direct borrowers who received subsidy
- [Freddie Mac Page 1](https://nationsbranch.com/freddie-mac-page-1/) - Home Possible• Purchase and no cash out refinancing. • Maximum 97 percent LTV and 105 percent TLTV ratios for Home Possible Advantage. • Mortgage insurance options. • Loan Product Advisor® or manual underwriting. • No reserves required for 1-unit properties for manually underwritten mortgages. • Maximum credit fee in price of 1.5 percent. LEARN MOREMore
- [FHA & Streamline](https://nationsbranch.com/fha-streamline/) - FHA Streamline• The mortgage to be refinanced must already be FHA insured. • The mortgage to be refinanced must be current (not delinquent). • The refinance results in a net tangible benefit to the borrower. The definition of net tangible benefit varies based on the type of loan being refinanced, and the interest rate and/or
- [UW Roadmap](https://nationsbranch.com/uw-roadmap/) - UW PRODUCT GUIDE THE OVERLAY MATRIX
- [Products Preview](https://nationsbranch.com/products-preview/) - Qualified Borrowers through Non-QM ProductsNations Lending knows that not every borrower fits neatly within the shifting set of parameters that is "QM." Whether the borrower in front of you is self-employed, a foreign national or even if they're looking for a non-warrantable condo, Nations has a suite of products that fit around each person's unique
- [Angel Oak Interest Only](https://nationsbranch.com/angel-oak-interest-only/) - CLICK THIS LINK BEFORE YOU BEGIN Table 1 of 2 Criteria PLATINUM PLATINUM ASSET QUALIFER NonQM Profile Category Bank Statement; Interest Only; High LTV; Non Warrantbale Condo Asset Qualifier; Interest Only; Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Asset Only Maximum Loan Amount 3MM 3MM Loan Term/Mortgage Rate Type 30 yr fixed or
- [Angel Oak High LTV](https://nationsbranch.com/angel-oak-high-ltv/) - CLICK THIS LINK BEFORE YOU BEGIN Criteria PLATINUM PLATINUM >90% NonQM Profile Category Bank Statement; Interest Only; High LTV; Non Warrantbale Condo High LTV; Non Warrantable Condo Documentation Full/1 Yr tax return/Bank Statement Full Maximum Loan Amount 3MM 1.5MM Loan Term/Mortgage Rate Type 30 yr fixed or 5/1 ARM 30 yr fixed or 5/1 ARM
- [Join](https://nationsbranch.com/join/) - You focus on your business. Let Nations Lending help you with the rest: marketing, technology, operations and more. We empower each Nations branch with a strong tech suite that includes full P&L support and tracking, as well as the business analytics you need in real time. But it doesn't stop there. Check out how The
- [Deep Haven Asset Qualifier](https://nationsbranch.com/deep-haven-asset-qualifier/) - CLICK THIS LINK BEFORE YOU BEGIN Near Prime Foreign National Credit Max LTV OO 95% NOO 85% 75% FICO 620+ N/A Loam Amount Minimum $ 100,000 $ 100,000 Maximum $ 3,000,000 $ 1,500,000 Debt Ratios Max DTI 50% 50%/N/A Enhanced DTI (to 50%) √ N/A Enhanced DTI (to 55%) √ (Not allowed for NOO) N/A
- [demo2](https://nationsbranch.com/demo2/) - CLICK THIS LINK BEFORE YOU BEGIN Product SmartFunds Asset Qualifier For Borrowers Who: Qualify using eligible assets Max LTV 90% Purch/RT 85% Cash Out Max DTI Not Calculated W2 Current Paystub No Tax Returns – 4506t No Derogatory Credit Seasoning BK, FC, SS, DIL: 4yrs Mortgage History 1x30x12: P/RT 0x30x12: CO Asset Amortization Asset Qualification
- [excel test 1](https://nationsbranch.com/excel-test-1/) - [wpdatatable id=1]
- [Processing Roadmap](https://nationsbranch.com/processing-roadmap/) - ENCOMPASS REVIEW PROCESSING BIBLE
- [SG Capital Low Score](https://nationsbranch.com/sg-capital-low-score/) - A product for people who has had a recent credit event that puts them outside the standard agency credit guidelines to qualify for a mortgage.SG capital:• Can go down to 580 • Competitive rates, start at 5.626% • High DTI threshold up to 55% • Only 1 year tax return option (Express Docs) • High
- [Our story](https://nationsbranch.com/our-story/) - Learn about our story.
- [Your Success](https://nationsbranch.com/your-success/) - We need a paragraph here about discussing how we are hands on support with a digital edge. We tell their story and build their brand Nations Lending has cracked the social media marketing code. Since our data warehouse is able to target exclusive leads that do not have buyer agent representation, you'll bring only the
- [Contact Nations](https://nationsbranch.com/contact-nations/) - Monthly Funding Volume $500,000 or under $500,000 - $2,000,000 $2,000,000 - $5,000,000 $5,000,000 - $10,000,000 $10,000,000 - $15,000,000 $15,000,000 or above Years of Experience 1 year or under 1-3 years 3-5 years 5-10 years 10 years or more Next
- [Timeline](https://nationsbranch.com/timeline/)
- [Low score product](https://nationsbranch.com/low-score-product/) - A product for people who has had a recent credit event that puts them outside the standard agency credit guidelines to qualify for a mortgage.SG capital:• Can go down to 580 • Competitive rates, start at 5.626% • High DTI threshold up to 55% • Only 1 year tax return option (Express Docs) • High
- [Sample Flyers](https://nationsbranch.com/sample-flyers/)
- [Realtor flyers](https://nationsbranch.com/realtor-flyers/) - Serving our veterans with a 0% down loanA Loan only for veterans who are current serving or have served in the past. This loan gives great savings to our veterans.• 0% down • Down to 580 credit score • No mortgage insurance requirements 100% USDA Financing with No Down PaymentA loan for specific areas in
- [Closing Roadmap](https://nationsbranch.com/closing-roadmap/)
- [Beat the bear](https://nationsbranch.com/beat-the-bear/) - [css_animation] [/css_animation][css_animation animation=”loop-hover-float”][/css_animation] At Nations Lending we’re committed to a simple philosophy: never stop evolving. Progress isn’t just a corporate mantra, it’s a commitment to making each branch competitive in their market. It’s real world solutions & individualized support. Want to learn more? Here are a few of unique offerings. [css_animation animation=”size-grow-2d”] [/css_animation] Simple. Mobile.
- [Evolve Test](https://nationsbranch.com/evolve-test/) - YES I AM!NOPE. NOT ME
- [LO TEST](https://nationsbranch.com/lo-test/) - Hello Thomas!We've heard good things about you scroll down like your impressive Loan Volume2.4 Million Total Volume / MAR1.2 Million Total Volume / FEB1.8 Million Total Volume / JAN& Years of Experience. 16 At Nations Lending ® we’re always looking for great partners to grow with us. Why partner with For starters, we offer: In
- [new platform](https://nationsbranch.com/new-platform/) - Calling all entrepreneurs! Nations Lending is excited to announce a new platform, designed for mortgage professionals like you. We know the hurdles involved when starting a branch. We also know it's those hurdles that can can act as a barrier for individuals looking to expand beyond the typical loan officer role. Our new platform is
- [Retail Store](https://nationsbranch.com/retail-store/) - Calling all entrepreneurs! Nations Lending is excited to announce a new platform, designed for mortgage professionals like you. We know the hurdles involved when starting a branch. We also know it's those hurdles that can can act as a barrier for individuals looking to expand beyond the typical loan officer role. Our new platform is
- [Got a question](https://nationsbranch.com/got-a-question/)
- [Evolve](https://nationsbranch.com/evolve/) - [css_animation] [/css_animation][css_animation animation=”loop-hover-float”][/css_animation] At Nations Lending we’re committed to a simple philosophy: never stop evolving. Progress isn’t just a corporate mantra, it’s a commitment to making each branch competitive in their market. It’s real world solutions & individualized support. Want to learn more? Here are a few of unique offerings. [css_animation animation=”size-grow-2d”] [/css_animation] Simple. Mobile.
- [Join the Nation](https://nationsbranch.com/join-the-nation/) - – LEARN MORE ABOUT US – [css_animation animation=”loop-hover-float”][/css_animation] Monthly Funding Volume $500,000 or under $500,000 - $2,000,000 $2,000,000 - $5,000,000 $5,000,000 - $10,000,000 $10,000,000 - $15,000,000 $15,000,000 or above Years of Experience 1 year or under 1-3 years 3-5 years 5-10 years 10 years or more Next [css_animation animation=”size-grow-2d”][/css_animation] Nations Lending has a full portfolio
- [Branch Managers](https://nationsbranch.com/branch-managers/) - P&L BRANCHCORP. STORE What's the difference? NET BRANCH: I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. CORP. BRANCH: I am text block. Click edit button to change this text. Lorem ipsum dolor sit
- [New Home Test](https://nationsbranch.com/new-home-test/) - AS A BRANCH MANAGERAS A LOAN OFFICER Dealing with Corporate shouldn’t be a fight And if you have been in this business any length of time, you know today’s lending environment is drastically different from what it used to be. This has become a highly competitive business in which the field is leveled by service,
- [Contact](https://nationsbranch.com/contact/) - Contact Us Nations Lending Corporation NMLS# 32416 4 Summit Park Drive, Suite 200 Independence, OH 44131 800-748-1939 sales@nationsbranch.com
- [Products](https://nationsbranch.com/products/) - As a direct seller and servicer, Nations Lending has flexibility with guidelines and overlays. With Nations Branch we maintain excellent working relationships with tier one lenders and brokers!
- [Form Upload](https://nationsbranch.com/form-upload/) - We'd like to learn more about your current situation.Please take a moment and fill out the information below. The following information and correspondence will be confidential. Are You a Producing Branch Manager? YesNo How Many Loan Officers do you have? How Many Processors do you have? *Please attach your last 6 months closed loan pipeline and
- [Marketing](https://nationsbranch.com/marketing/) - Nations Branch in-house creative team is anything but average. We know the company so well, we produce, design and implement a wide array of customized creative solutions.
- [Why Nations](https://nationsbranch.com/why-nations/) - At Nations Lending we treat the branch as our customer. At Nations Lending it will never be “branch vs. corporate”. Contact us today for mortgage branch opportunities.
- [Underwriting](https://nationsbranch.com/underwriting/) - Nations lending is a direct agency mortgage lender, working directly with Fannie Me, Freddie Mac and Ginne Mae. There is no “middle man” with Nations Branch.
- [Our Vision](https://nationsbranch.com/our-vision/) - With Nations Lending dealing with corporate shouldn’t be a fight. In this business any length of time, you know today’s lending environment is drastically different from what it used to be. Contact us today!
- [IT](https://nationsbranch.com/it/) - Nations Branch branches receive the tools they need to truly thrive and our lending support is unparalleled in the business. Each of our branches receives full access to in-house processing and underwriting, a live scenario desk.
- [In House](https://nationsbranch.com/in-house/) - Nations Branch offers everything you need, under one umbrella. Our branches receive the tools they need to truly thrive and our lending support is unparalleled in the business.
- [HR](https://nationsbranch.com/hr/) - Employees are the key to any successful business. Nations branch provides you with a full service HR department that will take care of everything from payroll to recruiting.
- [Get Started](https://nationsbranch.com/get-started/) - Getting Started Be part of our strong network. A Nation of opportunity Nations Lending is currently licensed in 47 states, including Puerto Rico and the U.S. Virgin Islands. We are careful to protect and not overcrowd our current branch offices. Our goal is to place a good network of branches in each states and then
- [Compensation](https://nationsbranch.com/compensation/) - Focus on growing your business. Nations Lending offers a full benefits package that includes: health, vision, & dental insurance, along with a 401(k) program.
- [About](https://nationsbranch.com/about/) - This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.

## Portfolio

- [works](https://nationsbranch.com/portfolio/works/)

## Categories

- [Uncategorized](https://nationsbranch.com/category/uncategorized/)
- [Market Trends](https://nationsbranch.com/category/market-trends/)
- [VA Loan](https://nationsbranch.com/category/va-loan/)

## Tags

- [amortization](https://nationsbranch.com/tag/amortization/)
- [ARM Loan](https://nationsbranch.com/tag/arm-loan/)
- [Bank](https://nationsbranch.com/tag/bank/)
- [consumers](https://nationsbranch.com/tag/consumers/)
- [Debt](https://nationsbranch.com/tag/debt/)
- [Debt Financing](https://nationsbranch.com/tag/debt-financing/)
- [federal government](https://nationsbranch.com/tag/federal-government/)
- [fha](https://nationsbranch.com/tag/fha/)
- [Financing](https://nationsbranch.com/tag/financing/)
- [Government Finance](https://nationsbranch.com/tag/government-finance/)
- [home owners](https://nationsbranch.com/tag/home-owners/)
- [home ownership](https://nationsbranch.com/tag/home-ownership/)
- [home prices](https://nationsbranch.com/tag/home-prices/)
- [home security](https://nationsbranch.com/tag/home-security/)
- [homebuyers](https://nationsbranch.com/tag/homebuyers/)
- [homeownership statistics](https://nationsbranch.com/tag/homeownership-statistics/)
- [housing market](https://nationsbranch.com/tag/housing-market/)
- [insurance](https://nationsbranch.com/tag/insurance/)
- [interest rates](https://nationsbranch.com/tag/interest-rates/)
- [MIP](https://nationsbranch.com/tag/mip/)
- [Money](https://nationsbranch.com/tag/money/)
- [mortgage](https://nationsbranch.com/tag/mortgage/)
- [mortgage amortization](https://nationsbranch.com/tag/mortgage-amortization/)
- [mortgage basics](https://nationsbranch.com/tag/mortgage-basics/)
- [mortgage branch opportunities](https://nationsbranch.com/tag/mortgage-branch-opportunities/)
- [mortgage interest rates](https://nationsbranch.com/tag/mortgage-interest-rates/)
- [mortgage news](https://nationsbranch.com/tag/mortgage-news/)
- [mortgage prices](https://nationsbranch.com/tag/mortgage-prices/)
- [mortgage rates](https://nationsbranch.com/tag/mortgage-rates/)
- [mortgages](https://nationsbranch.com/tag/mortgages/)
- [Nations Lending branches](https://nationsbranch.com/tag/nations-lending-branches/)
- [Non-Bank](https://nationsbranch.com/tag/non-bank/)
- [occupancy fraud](https://nationsbranch.com/tag/occupancy-fraud/)
- [personal finance](https://nationsbranch.com/tag/personal-finance/)
- [purchasing a home](https://nationsbranch.com/tag/purchasing-a-home/)
- [real estate](https://nationsbranch.com/tag/real-estate/)
- [realtors](https://nationsbranch.com/tag/realtors/)
- [refinancing](https://nationsbranch.com/tag/refinancing/)
- [Regulation](https://nationsbranch.com/tag/regulation/)
- [rent](https://nationsbranch.com/tag/rent/)
- [rent prices](https://nationsbranch.com/tag/rent-prices/)
- [rent vs buy](https://nationsbranch.com/tag/rent-vs-buy/)
- [renting](https://nationsbranch.com/tag/renting/)
- [retirement](https://nationsbranch.com/tag/retirement/)
- [retirement planning](https://nationsbranch.com/tag/retirement-planning/)
- [reverse mortgages](https://nationsbranch.com/tag/reverse-mortgages/)
- [saving](https://nationsbranch.com/tag/saving/)
- [saving money](https://nationsbranch.com/tag/saving-money/)
- [security](https://nationsbranch.com/tag/security/)
- [title insurance](https://nationsbranch.com/tag/title-insurance/)
- [vacancy rates](https://nationsbranch.com/tag/vacancy-rates/)