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[Music] hi my name is alex carlicchio with gustin show associates i want to talk to you about va and fha manual underwriting we specialize that here so youve been denied by bank come to us because we can downgrade to your manual and possibly get you done im not promising anything but we we do a lot of manual writing here so one of the topics today im going to talk about the only topic is on a manual underwrite you always hit the verify rent now for va they want 24 months rent on a manual on the right should verify 25 hours 24 months rent and fha wants 12. now with fha it has to be 12 months clean with v8 i believe you get one or two lates but not in the last 12 but in the prior 12 you have a couple late payments on your run but nothing more than two and theyre going to verify with your landlord so theyre going to send something to the landlord the investors we dont do it so we have nothing to do with where they keep us away from it and they send something to the landlord the land
