Conventional Loan?  FHA?  VA?  RHS?  Conforming or Non-Conforming?  How can you be sure that you meet the specified guidelines and your specific lenders underwriting requirements?

You can't!

In fact, if you have to attempt to locate a specific mortgage product for yourself then you are being done a great injustice.  There are way too many products and way too many guidelines for a borrower to attempt to know and understand.

You broker/lender should work to locate and provide the product that is most suitable for you.  The problem is that your broker/lender is not in the business of grooming you for a specific product.  They are trained to look at your financial profile and shop for product options that suit your specific needs and qualifications.  When there is not a suitable enough fit...Your loan application "falls out".

Transformation's™ team of specialists and experts has the ability to tailor your profile to fit the underwriting guidelines required so that you don't fall out. If you do not perfectly fit the standard guidelines, we have the expertise, experience and insight to know either how to adjust your financial profile or what compensating factors can be used to get your loan approved where it would otherwise be denied.  This type of leverage can only be obtained through experience, expertise and insight.

Furthermore, it takes anywhere from 2-5 years for a particular mortgage broker/loan officer to see enough approvals and fall outs with specific profiles to know exactly what their underwriters are looking for.  Even if you found that experienced broker/loan officer, she or he would only be able to tell you what you need to approve, but they could not (and would not) take the time to "Transform" you into that approval.  It takes an entirely different set of expertise and skill sets to be able to restructure a client's personal financial profile to an underwriter's standards.