For agents & builder reps
Your buyer's financing shouldn't be your problem.
You found the house, negotiated the contract and managed the inspection. Then the lender goes quiet for four days and it becomes your phone ringing. I'd like to be the reason that stops happening.
What you can expect
Six things, specifically
Not a pitch about service. The actual commitments, which you can hold me to from the first file.
You get my mobile
Not an assistant, not a queue. If an offer is due Monday and it's Saturday afternoon, I answer. That's the whole point of working with someone building a book rather than defending one.
Pre-approval in 24–48 hours
Income and assets verified, not a soft pull with a template letter. Listing agents in this corridor can tell the difference, and it's often what gets your offer read at all.
I take the awkward files
Self-employed through their own consultancy, newer to the country, income that needs reading rather than scanning. A declined buyer is a dead commission — these are the ones I'm set up for.
Several lenders, not one
Through The Mortgageist Inc. I place files with UWM, Pennymac, Sun West and others. When one lender's guidelines don't fit your client, that isn't the end of the conversation.
Hindi, Telugu and English
A large share of buyers in this corridor are more comfortable discussing money in their first language. I can take that call directly rather than through your client's cousin.
I know the districts
MUD and PID obligations, which ISD boundaries are under review, what a builder will actually concede in December. I price the specific house, not a generic payment.
Where deals die
The two calls you don't want to make
“The lender needs another week”
Option period gone, seller irritated, and you're the one explaining it. Usually because conditions sat unanswered for days while the file waited on someone's inbox.
“We're clear to close”
Conditions answered the day they're raised. You get a status update without asking, and you hear about a problem while there's still time to solve it.
Being straight with you
I'm early in building this.
You've probably been pitched by lenders with twenty years behind them, and I'm not going to pretend to that. What I'd ask you to weigh instead is what actually costs you deals.
It isn't tenure. It's a lender who stops answering in week two because your file is one of forty. I have the capacity to treat your client like the only one, and a lender panel rather than a single employer's rulebook.
Send me one difficult file — the self-employed buyer, or the one whose paperwork made another lender nervous. That's the fair test.
Start small
One file, no commitment
- Send me a buyer who needs a second opinion
- Or a scenario — I'll price it and send it back same day
- Your client keeps working with whoever they like
- If it goes well, we talk about the rest
How it works
Three steps, then it's yours
Tell me you want one
Call or email. I add you to the roster — name, brokerage, the areas you cover.
You get a link
loansbyvai.com/partners/your-name, plus a version of any calculator that carries your details.
Share it
Text it after a showing, put it in your listing follow-up, or link it from your own site.
What you can share
Eight calculators, all of them free
No email gate on any of them. Your client can use every one without giving up their details — which is why they actually get used.
Affordability
What price your income and debts actually support.
Payment & Payoff
Monthly payment, total interest, and extra-payment savings.
Cash to Close
Everything you bring to the table, itemised for Texas.
Compare Loans
FHA, VA, Conventional and buydowns, side by side.
Rent vs. Buy
Five-year wealth comparison against your current rent.
Cost of Waiting
What a year of waiting actually costs in this market.
The affordability and cash-to-close tools are the two that get shared most — they answer the questions buyers ask you in the car on the way to the second showing.
On the rules, plainly
RESPA prohibits giving anything of value in exchange for referrals, and that is a rule worth respecting rather than working around. So: these tools are free to every agent who asks, whether or not you ever send me a file, and nothing here is conditioned on you doing so.
If we do anything more involved — shared advertising, printed material, a joint open house — each side pays its own fair share of the cost, documented. I'm happy to have that conversation with your broker's compliance people in the room.
Let's talk before you need me.
The worst time to meet a lender is the evening an offer is due. Fifteen minutes now means you know who to call then.
Past client rather than an agent? Refer someone here.