Why RoBUS? 

 

1. Size:  All the benefits of a small and lean operation with less than 25 employees and the capabilities of a much bigger lender.  No big bank bureaucracy or red tape.

 

1. Flexibility:  Lot loans, spec loans for builders, no income loans on primary residence for less than a year self-employed, manual underwrites on FHA/VA down to 500 credit, down payment assistance, jumbos to $10M plus at big bank rates.

 

1. Speed:  Currently averaging about 10 calendar days from application to clear to close status in Utah on conventional loans.

 

1. Pricing:  Not a lot of overhead costs as a smaller company so we can run pricing at typically about half the cost of bigger companies and pass those savings on to the clients.

 

1. Licensing:  Licensed in 14 states (NV, AZ, CA, OR, WA, ID, MT, UT, CO, WY, FL, GA, VA, and TX).

 

1. Direct Lender:  Control of the process from disclosures to funding as a direct lender.

 

1. Broker:  Ability to broker when our own investors don’t have a good option for product or price.

 

1. Experience:  Most of the loan officers have a decade or more of experience in the mortgage industry so they can get creative.  We have experience with complicated tax returns and income/credit scenarios to try and make your deal work at the best price possible.

 

Let me know if you have any scenarios I can help you out with!