CLN and our team of licensed mortgage loan officers and support staff are experts in originating and funding loans with no lender overlays.
Over 75% of our borrowers represents are folks who contact us because they either got a last minute loan denial or were going through major stress with their original lender. Capital Lending Network, Inc. has a five-star national reputation for its no lender overlays on government and/or conventional loans. All lenders need to meet the minimum agency mortgage guidelines of HUD, VA, USDA, FANNIE MAE, FREDDIE MAC. However, most lenders will have higher lending requirements that is above and beyond FHA, VA, USDA, Fannie Mae, Freddie Mac. These higher lending guidelines above and beyond the minimum agency mortgage guidelines are called lender overlays. Capital Lending Network, Inc. does not have any lender overlays. CLN just go off the automated underwriting system findings with zero lender overlays. We are proud to be known nationally as a one-stop mortgage lending shop. This is due to other creative and alternative finance loan programs we offer. Capital Lending Network, Inc. also offer a variety of non-QM loan programs such as one day out of bankruptcy and/or foreclosure, bank statement loan programs for self-employed borrowers, asset-depletion loan programs, ITIN, Foreign Nationals, fix and flip loan programs for non-occupant investment properties, condotel financing, non-warrantable loans, FHA and VA one-time close construction loans, manufactured home loans, and investment loan programs for real estate investors. Loan officers at Capital Lending Network, Inc. issue pre-approvals 7 days a week, evenings, weekends, and holidays. To start the qualification and pre-approval process, please contact us at 262-716-8151 or text us for a faster response. Or email us at