Loan Programs — Full Doc

Conventional & Conforming

Fannie Mae and Freddie Mac programs at wholesale rates — priced across 40+ lenders so you’re not stuck with whatever your bank quotes you.

40+
Wholesale Lenders
3%
Minimum Down
21–30
Days to Close
Who It’s For

Is this your loan?

Every program is built for a specific borrower. Here’s where this one tends to be the right call.

01
The W-2 Buyer

Pay stubs, two years of returns, and a credit score above 680. You want the best rate available — not whatever your bank happens to be offering this week.

02
The Move-Up Buyer

Selling and buying at the same time, or rolling equity from one property into the next. You need a lender who can structure the transaction — not just process paperwork.

03
The Residential Investor

Buying a 1–4 unit property and your income documents cleanly. Agency investor programs can outperform DSCR pricing when the documentation is there.


The Process

From quote to keys

One point of contact, start to finish. Here’s what working with Manor looks like.

01
Scenario Review

We review your situation and price your loan across 40+ wholesale lenders — presenting real options, not a teaser rate.

02
Application & Docs

Secure digital 1003, income and asset docs. A complete file submitted to the optimal lender within 24 hours of receipt.

03
Underwriting

Proactive updates at every milestone. One point of contact start to finish. No getting shuffled around.

04
Close & Fund

CD delivered 3 days before signing so you know every number before you sit down at the table.


Common Questions

Straight answers

Your bank offers one rate from one investor. Manor submits your scenario to 40+ wholesale lenders competing for it — you get institutional pricing that retail banks can’t access. On an $800K loan, a 0.25% difference is roughly $150/month. The conversation to compare costs you nothing.
Minimum is 620, but pricing improves meaningfully above 680, 740, and 760. If you’re close to a tier, it’s worth a conversation — sometimes a small move before closing saves you significantly on rate.
No. Once your LTV reaches 80%, you can request removal. At 78%, the servicer is required to drop it automatically. On FHA, mortgage insurance is typically for the life of the loan — often a reason to choose conventional when you qualify.
For a standard W-2 file: last two years of W-2s and tax returns, 30 days of pay stubs, two months of bank and asset statements, and a government-issued ID. The more complete your file at submission, the faster everything moves.
Always. Bring us the Loan Estimate and we’ll show you exactly how it compares against wholesale pricing on your specific scenario. No credit pull, no pressure — just numbers.
Get a Quote

Real pricing on your actual scenario

No teaser rates. No credit pull. Four fields and your loan officer responds with real wholesale pricing within one business day.

  • Priced across 40+ wholesale lenders
  • No credit pull required for initial quote
  • Straight comparison if you have an existing offer
  • Your loan officer responds personally — no call center
Tell us about your scenario

No spam. No credit pull. Your loan officer responds personally.

Got it — your loan officer will be in touch.

Expect a response within one business day. Or reach out directly at dru@manorhomes.co

Explore More

Not the right fit?

Every program is built for a different scenario. Browse the others below.