I had to laugh as I sent out an email to wholesale reps this morning describing a difficult loan I was working on.

I laugh because of the H.D.C. (High Density Conversations) we use in the business.







Here's my scenario:

• Purchase, SFR, $1.9 Million, 63% LTV,
• SIVA, 1099, or possibly No Ratio,
• Assets sourced not seasoned,
• 615 Middle
• Prior NOD on 10/02.
• 1x60 9/02, 5x30 10/02, 8/02, 2/02, 9/01, and 8/01
• Sold and rented since.
• VOD, VOR, and LOE ready.
• Loan Contingency 3/30
• COE 4/18
• Need 2/28 or 3/27 with 2 or 3 yr PP

How's that for HIGH DENSITY conversation?
Did you get it all?

My wholesale reps did, we'll have our approval later today!