In today’s competitive lending landscape, ensuring you offer a diverse range of loan products is crucial. One key segment that should not be overlooked is government backed loans, including FHA, VA, Rural Housing and Farm Service Agency (FSA) loans. In 2023, these programs accounted for 31.6% of the purchase market for first-lien, 1–4-unit, site-built, owner-occupied mortgages.

For many smaller lenders, obtaining full FHA/VA approval can be daunting and costly, requiring on-staff Direct Endorsement underwriters and meeting rigorous compliance standards. However, there are alternative solutions that allow you to serve this critical market without the burden of full approval:

1. FHA Title II Lender Relationships – Partnering with an FHA Title II-approved investor allows you to originate FHA loans without an in-house Direct Endorsement underwriter, as the investor underwrites loans on your behalf.
2. Wholesale Investor Partnerships – By working with secondary market wholesale investors, you can originate loans while the investor discloses, underwrites, and closes the loan in their name. This solution enables you to offer government-backed loans without taking on the full operational and compliance requirements.

Partnering with the right trusted wholesale investors can be a game-changer — especially when giving a
second look at denied loans. Expanding your loan offerings through these strategic partnerships
ensures you’re serving more borrowers, closing more loans, and growing your business in today’s
dynamic market.

Are you ready to expand your loan options and serve more borrowers? Let’s discuss how the right partnerships can help.