Yes, we allow FHA, VA, USDA (No Conventional Manual Underwrites)

 

When strong borrowers need human review.

 

Why It’s Useful Some borrowers don’t fit an automated box, FHA Manual Underwrite allows compensating factors, payment history, and overall stability to drive approval decisions.

​

Key Highlights​

• Designed for borrowers who don’t receive automated approval

• Evaluates the full financial picture, not just the algorithm

• Supports compensating factors and payment history

• Maintains FHA structure and reliability

 

Program Snapshot

• Purchase and refinance options

• Financing up to 96.5% LTV

• Primary residences only

• Manual underwriting per FHA standards