CLEAR Home Loans · Internal
Who will look at the file. Every line below came out of an investor's own email or guideline document, and carries the date it was said. Nothing here is guessed — where we don't know, it says so.
Will anyone take this borrower? Who does DSCR in an LLC, who does bank statements, who takes a non-warrantable condo, who has already told us no.
What the rate is. Pricing lives in Polly and moves daily — anything printed here would be wrong by Thursday. Find the fit here, price it there.
Scroll sideways for the full grid. A blank cell is not a no — it means no investor document in our files has said either way, and it is a question worth asking their rep.
Named rep first, because a scenario desk answers in a day and a rep who knows you answers in an hour.
Written down rather than left as a blank, because a gap you can see is a gap somebody can close. Each one has the single question that fills it.
Every program fact on this page is reference only. Investor guidelines change without notice and some of what's here is weeks old. Confirm with the rep or the scenario desk before you put a number or an eligibility in front of a client or an agent.
If a rep tells you something that contradicts this page, the rep is right and this page is wrong. Send it to Christa and it gets corrected the same day.
We are leaning on these investors in Polly for pricing. Use this page to decide who to send it to, then price the scenario in Polly. Never quote a rate from a rate sheet in an email — they are a day old the moment they land.
Built by Willis for Christa. Sourced from the investor emails and guideline documents in Christa's work mailbox and the Resource Center. Last swept .
Something wrong, missing, or out of date? Tell Christa the investor and what the rep actually said. Corrections are cheap; a wrong eligibility in front of a client is not.
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