HOME Live! - July 2026 Broker Solutions Reference

TWO EXAMPLES WHERE THE BROKER CHANNEL CLOSES WHAT RETAIL CANNOT

1. ITIN financing: First National Bank of America (FNBA)

THE CERTAINTY PLAY

Michigan-based, thek longest-running ITIN lender in the space, and fully committed to staying in it. Because they portfolio the loans, the certainty comes from them holding the paper, not from a secondary-market appetite that can vanish overnight. HOME's founder, Rogelio, has a direct relationship with their C-suite.

• Up to 85% LTV on ITIN

• Cross-collateralize against one or two other properties, vacant land included, to make a tight deal work

• Offers a first-lien 30-year HELOC for ITIN, on primary and non-owner-occupied, full or alt doc

• Pricing is not the sharpest, so lead here when the priority is a deal that closes and stays closed
  

2. Condo deals stuck behind the balcony law: Lendz Financial & Symmetry Lending

BE THE HERO FOR THE REALTOR & THE BUYER

The problem: California's balcony inspection law (SB 326) came due January 1, 2026. HOAs have to inspect balconies and elevated walkways, and pair that with Fannie and Freddie's post-Surfside condo rules, and projects that have not finished their inspections or repairs are turning non-warrantable. Agency financing stalls or dies over paperwork the buyer had nothing to do with. Nationally, the agencies now ask for balcony and structural safety data on condo questionnaires, and as of August 3, 2026, projects with more than 10 units lose the streamlined Limited Review path.

The save:

• Lendz Financial (wholesale non-QM): a limited condo review that does not require proof of balcony inspections. Up to 85% LTV primary and 80% LTV investment. You close while the HOA sorts out its inspection paperwork.

• Symmetry Lending: standalone 1st and 2nd lien HELOCs, primary and non-owner. A strong option for a bridge loan. Watch the loan-amount limits, since the higher tiers come with reduced LTVs.

  
  

The listing that “can't get financing” suddenly can, and you are the reason.

Keep it accurate, keep it compliant

• On immigrant borrowers: the CFPB's June 2026 statement on ability to repay and immigration status is guidance, not law. It does not change Fannie, Freddie, or FHA rules, and it does not authorize denying anyone based on noncitizen status or an ITIN. ECOA and national-origin protections still apply.

• On condos: confirm project eligibility, current LTVs, and program guidelines directly with each lender before you set borrower expectations. This market moves week to week.

This is general information for mortgage professionals, not legal advice. On a specific file, point the borrower to the right immigration or compliance attorney. Prepared for HOME (Hispanic Organization of Mortgage Experts). Verify lender guidelines directly before quoting.