Liberty Mortgage
5130 W. Belmont Ave, Chicago, IL 60641 Phone: 773-677-6460 Email: libmtg@yahoo.com NMLS # 1807234
____________________________________________________________________________________________________________________________________
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Approved Lenders
Pay Real Estate Agents
ARC Mortgage 1-4 Only
Account Manager
Hank Arnold
Phone:
708-212-3700
Email:
Investor Programs Only;
* Up to 80% LTV Purchase / Rate & Term refi
* 1-4 family properties and condominium permitted
* Max LTV 70% for cash out refinance loan amounts </= $2mm
* Max LTV 65% for cash out refinance loan amounts </= $2.5mm
* Max loan amount $3,500,000
* Minimum FICO 620/600 by quote
* Charge up to 5% fees
Athas - Hard Money Investor / Commercial
1-4 Unit Investor Loans
Representative:
Tomas Salazar
Phone:
818.251.0763
Email:
Website:
Program:
Non-Owner Occupied
No Job
No DTI
No Income
No Reserve
Borrowers:
LLC or Corporation
Term:
30 year fixed, 5/1 or 5/1 Interest Only
Fees:
Origination and/or Yield Spread.
Par Rate:
5.75% on a 5/1 ARM with a 680 FICO. No add ons
FICO Scores:
620 minimum score
680 for highest LTVs and lowest Rates
Loan Amounts:
Up To $3,500,000
Cash Out Up To $2,000,000
LTV:
75% max LTV on Cash Out Refis
80% max LTV on Purchases and Rate & Term Refis
DSCR:
100% on Initial Interest Rate
Other:
Close in 15 days
100% Gift Funds allowed
All States Except, MI, CA, AR, and UT
Unlimited Financed properties allowed
No 1003, No Disclosures, No LEs or CDs
First Time Investors and Vacant properties allowed
Caliber - Special FNMA Programs - Container Homes
Account Manager:
Kyle Steen
Phone:
612-505-7225
Email:
kyle.steen@caliberhomeloans.com
Credit Requirements
Minimum FICO
* The minimum FICO has been increased to 640 for all FHA, VA, and USDA loans.
* Loans with FICOs between 640-659 and using gift funds require:
6 months cash reserves, or Residual income in excess of 120% of VA required (only applicable if)
borrower’s place of business remains open and is calculated on borrower’s current level of pay)
Maximum DTI
* Per AUS, however loans with DTI > 50% require a min 700 FICO or 6 months reserves.
* Per AUS, however loans with DTI > 45% and the FICO is < 660 require:
6 months cash reserves, or
* Residual income in excess of 120% of VA required (only applicable if borrower’s place of
business remains open and is calculated on borrower’s current level of pay)
Citeldel - Non Conforming Loan Programs
Representative:
EB
Phone:
678-588-3199
Email:
ebyi@citadelservicing.com
Website:
Click Here
Loan Programs;
* Bank Statements
* Full Doc to 500 FICO
* ITIN Loan to 75%
* Foreign Nationals
* Non Owner Stated Income
* 1 day out of Bankruptcy
* 1 day out of Foreclosure
Pay Non Licensed LO in all States
* Mixed Use
* 5 units to 35 Units
* Motels
Submission Form
Submission Check List
Order An Appraisal
Upload File
Commercial Mortgage Consultants, Inc.- Non Conforming Loan Programs
Representative:
Richard Graves President
Phone:
720-434-8100
Email:
richard@commercialmtgbankers.com
Website:
Commercial Mortgage Consultants, Inc. c/o
Chase Bank
5341 Fruitville Road Sarasota, Florida 34232
Wiring Instructions
Account Number 923918531 ABA Number 267084131
Greenbox - Non Conforming Loan Programs
Representative:
Rob Rowe
Phone:
213-358-4761
Email:
robr@greenboxloans.com
Website:
Rate Sheet:
Submission Forms:
Login: mshapiro Password: Welcome1
Loan Programs;
They do ITIN loans
Liberty Bank - Commercial Loan Programs
Representative:
Louis Polychronos
Phone:
773-951-7224
Email:
lpolychronos@libertybank.com
Patch Of Land
Rep:
Steven Weinstock
Phone:
424-732-8032
Email:
Web Site:
Fix & Flip Loan Program Highlights:
– 12-month interest only loans
– No income verification
– No tax documents
– Rates from 7.5%
– Up to 85% for acquisition
– Up to 100% for rehab expenses
– Interest-paid only on funds disbursed
They have Commercial, Multi-family, Ground-up, and Rental properties.
..
Long-Term Rental Program
The Long-Term Rental program that provides 30-year term for investment properties. We are able
to offer aggressive rates from 5.49%, and an interest-only option. This program requires no income
verification and allows for a low minimum FICO score of 575. We are excited to expand our product
offering for long-term, non-owner occupied rental properties.
Long Term Rental Program Highlights:
– Loan amounts from $75K – $5MM
– 80% on Purchase Transactions
– 75% Cash out Refinance
– 30 Year Fixed with Interest only option available
– 575 Min Credit score
– Rates as low as 5.49%
The Lender - Non Conforming Loan Programs
Representative:
EB
Phone:
678-588-3199
Email:
Website:
Click Here
Silver Hill Funding, LLC. - Non Conforming Loan Programs
Representative:
Timothy Burke
Phone:
305.631.3746
Email:
Website:
Application:
Program Matrix:
Sprout - Non Conforming Loan Programs
Representative:
Tina Bartley
Phone:
301-556-7105
Email:
Tina Bartley@sproutmortgage.com
Website:
Loan Request:
Loan Programs;
Asset Depletion
Income Per Bank Statements
Investor DSC
Investor Mixed Use
Investor No Ratio
Moderate Credit, Bank Statement
Moderate Credit, Full Doc
Near-Prime Bank Statements
Near-Prime Pay Stubs & Tax Returns
Prime Jumbo Full Doc
Residual Income
Super Jumbo Bank Statements
Super Jumbo Pay Stubs & Tax Returns
Velocity - Non Conforming Loan Programs
Representative:
Miguel Morales
Phone:
305.421.9063
Email:
Website:
ARC - Conforming Loans
Athas - Hard Money Investor / Commercial
Representative:
Tomas Salazar
Phone:
818.251.0763
Email:
Website:
Rates:
Loan Programs;
Fix & Flip
Sometimes a great opportunity comes up in the market. Our Fix and Flip loan
allows borrowers to purchase a distressed property or refinance an incomplete
property without the need for draws and escrow accounts.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
VOE Program
Verifiable VOE from Employer (not self-employed or self-prepared). The VOE must be fully
filled out and must include all income and averages. The VOE must be signed and dated by the
employer with accurate contact information.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
kkk
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
For Non-Self-Employed Independent Contractors
* 2 Years 1099’s
* Athas to verbally verify accuracy of income on 1099’s
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
P&L Only Program
Full Year 2017 Complete Profit and Loss Statement and 2018 Complete YTD Profit and Loss
Statement.
..
Verifiable letter from licensed CPA, Certified Tax Preparer or Enrolled Agent attesting that they
prepared the P&L Statements or if the P&Ls were borrower prepared then a verifiable letter
from a licensed CPA, Certified Tax Preparer or Enrolled Agent attesting they are factual.
..
If CPA, Certified Tax Preparer or Enrolled Agent did not prepare P&Ls then borrower to sign
and date the P&Ls and attest to the accuracy of the P&L’s via handwritten, signed and dated
letter.
..
Proof that borrower has been self-employed for that business for 2 years.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
]
Up To 80% LTV: 55% max DTI
Asset Depletion Program
* Available for All Employment Types including Retired/Unemployed:
* Borrower has enough liquid assets to pay Athas mortgage (PITI) for 7 years
(borrowers cannot be over 55 years in age) or;
* Borrower has enough liquid assets to pay Athas mortgage in full (no age restrictions apply).
Borrower must exhibit liquid reserves greater than the new mortgage debt, post-closing –
i.e. Loan amount = $100k; liquid reserves = $101k.
* Liquid Assets are assets that exist post transaction and are not inclusive of any cash out proceeds.
* Retirement Accounts (401k, IRA, etc.….) – NOT Acceptable.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
.
Full Documentation Program
All Conventional Documentation Required, W-2’s & Pay stubs, Tax Returns.
Alt Doc – 12- or 24-months bank statements.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
roperty T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
1 Month Personal Bank Statement Program
(Self Employed Borrowers Only) 1-month personal bank statement. Use deposits minus any unusually
* large deposits for income.
* 650+ Middle Fico score for all borrowers.
* No mortgage lates in the last 60 months if homeowner.
* No FC, SS, BK or major MTG delinquencies (over 30 days) in last 5 years.
* If renter 0x30 VOR for 24 months-VOR must be arms-length and verifiable.
* Proof Self Employed for 2 years.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
Down Payments Or Liquid Cash Reserves
* All down payment funds MUST be sourced & seasoned 60 days +6 mths
PITI in liquid cash reserves from 90.01-95% ltv
* All down payment funds MUST be sourced in the last 30 days from 80.01-90% ltv.
* 100% Gift funds are acceptable up to 80% LTV – direct relative. $1M-$2M 50% can be gift – $2M+ no gift.
Occupancy:
Owner Occupied
Property Type:
1-4 Units
Property T yp
Condominium
Non-Warrantable Condos
Program:
1 Year Adjustable
Terms:
5 Years
Index:
6 Month Libor
Caps:
2/2/5%
Loan Amounts:
$50,000 Minimum to $3,000,000 Maximum
DTI:
90.01-95% LTV: 43% Max DTI
80.01-90% LTV: 50% Max DTI
Up To 80% LTV: 55% max DTI
Caliber
Representative:
Kyle Steen
Phone:
612-505-7225
Email:
kyle.steen@caliberhomeloans.com
Website:
Deephave - Non Conforming Loan Programs
Representative:
Ylber Burgija
Phone:
704-345-8819
Email:
yburgija@deephavenmortgage.com
Program:
Non-Owner Occupied
No Job
No DTI
No Income
No Reserve
Borrowers:
LLC or Corporation
Term:
30 year fixed, 5/1 or 5/1 Interest Only
Fees:
Origination and/or Yield Spread.
Par Rate:
5.75% on a 5/1 ARM with a 680 FICO. No add ons
FICO Scores:
620 minimum score
680 for highest LTVs and lowest Rates
Loan Amounts:
Up To $3,500,000
Cash Out Up To $2,000,000
LTV:
75% max LTV on Cash Out Refis
80% max LTV on Purchases and Rate & Term Refis
DSCR:
100% on Initial Interest Rate
Other:
Close in 15 days
100% Gift Funds allowed
All States Except, MI, CA, AR, and UT
Unlimited Financed properties allowed
No 1003, No Disclosures, No LEs or CDs
First Time Investors and Vacant properties allowed
E2 - Conforming Competitive Rates - 100% SBA Loans
Representative:
Jan Manning
Phone:
727-249-6304
Email:
Website:
Pricing Engin:
Send A Secured File:
Login:
financing.information@comcast.net
Password:
Mike.3408
Terms:
-
Low to no down payment
-
Nationwide Lending footprint
-
Loan: $500,000.00 to $ 5 Million
-
Long amortizations (up to 25 years)
-
Single Signature approvals on loans up to $ 2 Million
Programs:
-
SBA 7(A)
-
SBA 504
-
Purchase Land
-
Working Capital
-
Franchise financing
-
Construction and Improvement
-
Debt Consolidation and refinance
-
New equipment and heavy machinery
-
Partner Buy-outs and business acquisitions
-
Purchase Real Estate at least 50% occupied by the business
SBA % Down
Conditions:
-
Growing companies
-
Credit scores Above 680
-
No Bankruptcy in the last 5 years
-
No Significant personal credit card debt
-
Deals with real estate, although not required
-
Stable to upward topline revenue trends required
-
Multiple uses of proceeds, e.g. existing notes to refinance
-
Partner buy-outs or business acquisitions with strong relevant buyer experience
No:
-
Golf Courses,
-
Family Fun Centers
-
Apartment buildings,
-
Non Franchise Restaurants
-
Start-ups (exceptions: second location or established franchise)
We offer a better, more comprehensive solution:
# 1 Roll costs into the loan-100% financing-Buy a building to expand-Zero down
Real Estate Purchase
Construction and Improvement
Closing Costs and Working Capital
25 year loan
# 2 Roll costs into the loan-100% financing-Buy a building to expand-Zero down
Purchase Real Estate
Real Estate Construction and improvement
Purchase Equipment
Refinance Existing Debt
Working Capital/Closing Costs
25 year loan
# 3 If Real Estate is not involved, you will be required to put down 20% on the deal structured.
Interested? Call Jan Manning @ 727-249-6304 and she will set up a meeting with the Commercial dept.
* Quick “No” when the deal does not fit
* Transparent Open Communication
* Proposal turn around within 48 hours
If it is a GO, the following items will be needed to review the client:
1). 2016, 2017 and 2018 Business Tax Returns
2). Year to Date P&L and Balance Sheet
3). Personal Financial Statement (attached)
4). Resume (attached)
5). Project cost form (attached)
6). Business Debt Schedule form (attached)
-
Freedom - Conforming & They Send Out The Disclosure
Representative:
Veronica Bakir
Phone:
630-803-6769
Email:
Website:
Login:
mshapiro1
Password:
Mike!3408
Harbour Group Capital - Construction / Fix & Flip
Representative:
Cheryl Caruso
Phone:
631.398.9240
Email:
Website:
Loan Programs;
Fix & Flip
Construction Loans
Mid America - Conforming
Account Manager
Alicia Tessling
Phone:
630-796-6091
Email:
alicia.tessling@midamericamortgage.com
Account Executive
Deb Furr
Phone:
815-791-2187
Email:
Web Site:
Liberty Log In:
The Boys
Password:
Mike.3408
Direct Log In:
Mike.Shapiro1
Password:
Mike.3408
Todays Rates:
Sams:
Log In:
libmtg@yahoo.com
Password:
Michaels.3408
HUD:
Log In:
libmtg@yahoo.com
Password:
Mike.3408
Forms:
Lender Fees:
Admin. Fee:
$599.00
Doc. Prep:
$175.00
Will send Initial Disclosures and LE on our behalf: No Fee
Will Draw Closing Docs on our behalf: Yes if you include
the $175.00 Doc Prep Fee.
Mortgage Solutions - Conforming
Rep:
John Ladner
Phone:
832-372-7320
Email:
Web Site:
Interest Rates:
BYTE Code:
W888
Login:
MJOHNSON
Password:
Password1
Submission Form:
MSF does disclosures.. very easy , very quick, these steps are illustrated in How to Guide
.
DO NOT UPLOAD ANY NON MSF DISLCOSURES(OTHER THAN ANTI STEERING) MSF DOES
DISCLOSURES – UPLOAD 1003 MAKE SURE UNSIGNED AND UNDATED
.
1. Upload 3.2 in Byte (you now have 48 hours of 72 hours in TRID to complete submission so we
can send out disclosures.
.
2. Select loan program in Byte.
.
3. Price/Lock input mid score, Select/LO Compensation/UW Method DU/Doc Type Full
Register the rate either by Lock or Save To LOS through Price lock screen.
.
4. Upload submission form- signed, Findings- run through DO- released MSF wholesale and
finalized, Purchase Agreement , Credit Report, Anti Steering disclosure, IF FHA upload FHA
case number request form if VA upload COE.
.
5. Change loan status to submitted(from home screen)
Note – when completing anti steering – we will use yours or ours – first two rates can be same –
3rd has to be higher rate with lower fees.
MSF will also review income andAssets on initial approval. Recommended upload at initial
submission but not required.
.
When broker partner submits a loan to us, income documents must be uploaded in stored
documents at time of submission- category 08
.Submission Income.
If income documents are not uploaded into this category by the BP, income will not be reviewed
upon credit approval.
…
TBD Submission – same as above EXCEPT
1. Street address “TBD” put in city state etc
2. Check box TBD in Byte from home screen when you upload
3. No purchase contract required or anti steering or FHA request form
4. Income and assets mandatory – ( Coded 08)
5. VA no min credit score required
6. FHA down to 500 Mid
7. USDA Lend down to 580 mid
8. Allow for Manual Underwriting- FHA/VA/USDA
9. Accept one score, no scores, no trade lines in credit report
Nations Direct- Conforming
Representative:
Yvonne Schinzel
Phone:
Email:
Website:
Rates:
Login: libertyloans@yahoo.comPassword: e7913e3b
Plaza - Conforming / 203Ks
Rep:
Christine Hyde
Phone:
630-715-1166
Email:
christine.hyde@plazahomemortgage.com
Rates:
Web Site:
ID # 300584 Login: admin Password: Liberty-34
Programs:
* VA Fixed and ARM including Jumbo and IRRRLs
* Jumbo Fixed and ARM
* Non-QM: bank statements, DTI > 43% and Interest Only
* Second Liens: Closed-End Fixed Rate Piggyback seconds
* Fannie Mae HomeReadyTM
* Freddie Mac Home Possible® & Home Possible AdvantageSM
* DU Refi PlusTM
* Freddie Mac Relief Refinance Mortgage
* Fannie Mae HomeStyle®
* FHA Standard 203(k) and Limited 203(k)
* USDA Guaranteed Rural Housing
* HECM (Reverse Mortgage) product line
* Manufactured Housing
*Second Lien Program
Conforming Conventional Programs and Features
* Delayed financing options and transferred appraisals allowed.
* Full gift allowed for down payment on conforming conventional loans.
* Blended ratios with non-occupant co-borrower.
* No landlord history needed to use rents to qualify.
* Manual underwriting allowed on conforming Loans.
* LTV to 97%: HomeReady and Home Possible Advantage.
* CLTV to 105%, Community/Affordable Seconds allowed.
* DU Refi Plus & LP® Relief Refinance: Up to 125% LTV.
* LTV up to 105% for investment properties and high balance. Transferred mortgage insurance is
allowed.
* Pay-off revolving debt thru closing to qualify no longer needs to be closed.
Specialty Program Features
* Solutions program: Borrowers with DTI > 43%, self-employed borrowers with difficult income
to qualify, or for transactions that don’t fit standard Agency or Jumbo guidelines.
* Second Lien Program: Solution for purchases greater than the standard conforming loan
limits.
Government Programs and Features
* Transferred appraisals allowed.
* W-2 only transcripts allowed (per AUS) for salaried borrowers with <25% commission or
bonus income.
* FHA and VA: Manual underwriting allowed for Refer/Eligible per HUD and VA guidelines.
* VA IRRRL and FHA Streamline allow non-owner occupied properties.
* VA IRRRL and FHA Streamline (including Jumbo): No appraisal required. No employment,
income or debt ratio verification. Mortgage only credit report with credit scores and key factors.
* VA and VA Jumbo loans: allow true cash-out to 100% LTV with 620 credit score.
* FHA HUD REO: $100 down payment allowed and/or REPAIR escrow up to $10,000 allowed on
HUD REO approved sales contracts.
* USDA Guaranteed Rural Housing: Purchase, Rate/Term Refinance, Streamline Refinance and
Streamlined – assist Refinance
* EEM mortgages on both FHA and VA
Minimum Credit Scores:
580;
* FHA Purchase.
* FHA Rate/Term Refinance.
* FHA Plaza serviced Streamline Refinance.
* VA Conforming Purchase and Refinance.
620;
* FHA 203(k).
* Conventional Conforming and High Balance.
* VA IRRRL.
* VA Jumbo Purchase and Refinance.
* USDA.
* FHA High Balance.
640;
* FHA High Balance Cash-Out.
* FHA High Balance 203(k)
660;
* Manufactured Housing (or higher per product/scenario).
661;
* Elite Plus Jumbo
700;
* Elite Jumbo.
* Preferred Purchase Jumbo
RAC- 580 FHA FICO
ReCasa 100% Rehab Money
Phone:
614.221.6770
Email:
Web Site:
Program Highlights:
* Free prequalification with letter detailing the qualified amount
* 100% financing for the purchase, improvements and soft costs
* 1-4 family non-owner occupied properties
* Up to 70-75% ARV (After Repair Value)
* 680 FICO Required
* Commitment fee starting as low as 3 points and is rolled into the loan
Sun West 90% - 100% Rehab Money
Rep:
Marie Clarke
Phone:
951-336-0270
Email:
marieclarke@swmc.com
Production Manager:
Mae Mackey
Phone:
(800) 453-7884 ext. 82992
Email:
Web Site:
Loan Status:
Rev. Mtg. Calculator:
Non-QM Program Highlights:
* Up to 90% Financing
* Foreclosures & Bankruptcy OK
* Foreign National up to 75% LTV
* Debt to Income Ratios up to 55%
* FICO Scores down to 540 on Selected products
* Non-Warrantable Condos on a case by case basis
* Investor loans based on debt to income rations only
* Loan Amounts up to $5,000,000.00 on selected products
Loan Programs:
* Ratio Program
* Prime Jumbo Program
* Investor Income Program
* Prime Advantage Program
* Credit Advantage Program
* Expanded Access Program
Temple View Capital Hehabs
Representative:
Griffin Eldridge
Phone:
240-383-1363
Email:
Processor:
Joe Lee
Email:
Phone:
844-675-1900
Web Site:
Loan Programs;
* No Debt To Income Ratios
* LLC and Corporation Loans
* Fix & Flip 80%-90% LTV on Acquisition and 100% Rehab Loan
1st Draw is in advance
3 months payment in escrow.
Down Load Application Forms;
* Project Review Template
* Track Record
* Full Application
UWM Conforming - Very Good Service
Rep:
Jason Sych
Phone:
800.981.8898
Email:
Rates:
Web Site:
Login: libretyloans@yahoo.com
Password: Mary.3408
Email List
harnold@archomeloans.com,tom@athascapital.com,ebyi@citadelservicing.com,
richard@commercialmtgbankers.com,robr@greenboxloans.com,lpolychronos@libertybank.com,
sweinstock@patchofland.com,mailto:tburke@silverhillfunding.com,tinaBartley@sproutmortgage.com,
mmorales@velocitymortgage.com,tom@athascapital.com,yburgija@deephavenmortgage.com