DISCUSSION #1 - 100% VA cashout refi. I have not spoken with them yet, but my LO friend has a client who needs debt consolidation. This LO’s company limits VA cash out to 90% LTV, and combined with a DTI on the higher side, this might be a deal I can help with that’s on the fringe of approvable.

DISCUSSION #2 - Seasonal worker, temp H2-A (farming) Visa. This client is not a permanent resident of the USA, but he’s been working seasonally for 10 years in the US. The borrower has great credit and money saved for down payment. It’s an “out of the box” deal for my MLO friend’s company because of the uncertainty of employment/income stability, but we have a product that will work.

DISCUSSION #3 - OTC Construction on MFG home with 609 credit score. This deal doesn’t meet the minimum score for construction loans at my buddy’s company, but this client has $100,000 in the bank from a settlement, and we have AUS approval for conventional and FHA. She’s shopping for the right lot to build on and obtaining an exact price on the manufactured home, then the deal will get done.