Maximize every opportunity. Our comprehensive menu features flexible guidelines and specialized programs across all major agency lending categories—without unnecessary overlays.

‍

WHY AGENCY LOAN STANDS OUT

‍

We understand that speed, clarity, and execution are everything in the wholesale channel. Choosing us for your Agency lending means choosing a partner committed to your success:

• Specialty Product Depth: Beyond standard programs, we offer critical niche options like Manufactured Housing and the flexibility of 1/0 and 2/1 Buydowns to keep you competitive in any market condition.
• Manual Underwriting Expertise: Our team has the proficiency to handle Manual UW for complex files (FHA 4000.1, VA Guides, USDA), ensuring you can serve borrowers who fall outside standard automated boxes.
• Flexible FICO and DTI: We align with the lowest minimum FICO scores and maximum DTI ratios permissible by the agencies, broadening your potential client base.

KEY BENEFITS FOR BROKERS

‍

Leverage these program strengths to close more files and build stronger realtor relationships:

• Increased Conversions: By avoiding internal overlays, you significantly increase the probability of taking a file from submission to closing.
• Competitive Edge: Offering new and flexible products, such as FHA and Conventional ARMs, allows you to win deals against lenders with static product lines.
• Faster Closings: Clear, consistent guidelines and a commitment to accepting AUS findings reduce underwriting friction and accelerate the closing timeline.
• Market Diversification: Utilize our USDA programs to expand into rural and specialized housing markets, tapping into new referral streams.

‍

IDEAL CAnDIDATES FOR AGENCY LoAN

‍

Agency Loan empowers:

• Veterans needing maximum purchasing power or those with non-traditional credit history.
• First-time buyers or clients with lower down payments and lower credit scores.
• Clients seeking stability with an ARM (3/6, 5/6, 7/6, 10/6) or leveraging tax returns for self-employed income.
• First time buyers who need a low down payment option.
• Clients with limited savings or lower credit who need a streamlined path to a more affordable mortgage.
• Clients in eligible rural areas, often needing 100% financing.
• Clients with steady Income who want an affordable and accessible path to homeownership.

Get Approved

‍

Partner with the best lender in the galaxy.

‍

Orion Lending is here to assist brokers and borrowers nationwide. Start the journey with a program built to close faster, fund smarter, and help more people into homes. Start the application process.