Underwriting

We offer both manual underwriting and automated underwriting through the Guaranteed Underwriting System (GUS).

The guidelines for the USDA program are in the 1980-D and the Administrative Notices.  For items not addressed in the USDA publications, we consult the FHA 4155.10.
We have nine years of experience underwriting theses loans.  We have learned a lot in that time.  We don't expect you to wade through all this information.  You can call us, and we can analyze your scenerios and answer all your questions.

I just wanted to put all these publications here for you because we will be making reference to them as we work with you to put your deals together.

Attachments (18)

  • Closing Costs - AN 4307 9-09.pdf - on Aug 29, 2008 10:30 PM by David Marsh (version 1)
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  • Collections AN 4366 5-09.pdf - on Sep 2, 2008 8:08 PM by David Marsh (version 2 / earlier versions)
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  • Condo Requirements AN 4303 8-08.pdf - on Sep 2, 2008 9:55 AM by David Marsh (version 1)
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  • Credit Scores AN 4346 3-09.pdf - on Aug 29, 2008 11:36 PM by David Marsh (version 1)
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  • Debt Ratio Waivers and Payment Shock AN 4435 Expires 5-10.pdf - on Jul 29, 2009 2:33 PM by David Marsh (version 1)
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  • Existing Dwelling Inspection Report.pdf - on Sep 2, 2008 9:55 AM by David Marsh (version 1)
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  • FHA 4155.pdf - on Aug 30, 2008 2:44 AM by David Marsh (version 1)
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  • Guaranteed Underwriting System AN 4330 2-09.pdf - on Aug 29, 2008 10:33 PM by David Marsh (version 1)
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  • Non-US Citizens AN 4302 8-08.pdf - on Aug 29, 2008 11:59 PM by David Marsh (version 1)
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  • Owning Multiple Dwellings AN 4454.pdf - on Oct 22, 2009 9:42 AM by David Marsh (version 1)
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  • Refinancing of Guaranteed Loans AN 4336 3-09.pdf - on Aug 29, 2008 11:51 PM by David Marsh (version 1)
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  • Rents and Leases AN 4411.pdf - on Feb 10, 2009 12:53 PM by David Marsh (version 1)
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  • Retirement Assets - AN 4413.pdf - on Feb 25, 2009 9:52 PM by David Marsh (version 1)
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  • Self-Employed Applicants AN 4367 4-08.pdf - on Aug 29, 2008 11:43 PM by David Marsh (version 1)
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  • Temporary Interest Rate Buydowns - AN 4404.pdf - on Feb 25, 2009 10:00 PM by David Marsh (version 1)
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  • Traditional and Nontraditional Credit History AN 4345 3-09.pdf - on Aug 29, 2008 11:47 PM by David Marsh (version 1)
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  • USDA 1980-D.pdf - on Aug 30, 2008 2:45 AM by David Marsh (version 1)
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  • USDA Glossory.pdf - on Sep 2, 2008 10:21 AM by David Marsh (version 1)
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