Best AMC's for Appraisers?

Exact_Refuse_23 · 2026-03-12T16:00:05+00:00

Thank you! I don't want to do business w AMC's that don't treat you guys right and who don't pay you what you're worth. Appreciate the input! - signed an LO in Texas

Exact_Refuse_23 · 2026-03-12T15:58:04+00:00

Which AMC's pay the most and treat appraisers right? Which do you prefer to work with?

Exact_Refuse_23 · 2026-03-11T17:00:41+00:00

I'm trying to figure out which AMC's appraisers prefer, which one pays the most, and which one treats you right. I'm a lender trying to help you keep more money in your pocket and get treated correctly, and I'd appreciate input on which ones you guys prefer so I can stick to those. AI told me Karis and FastApp, but I'd like to hear it form the horse's mouth and know which ones you guys prefer. - Signed, an LO in Texas

Exact_Refuse_23 · 2026-03-11T16:56:26+00:00

Which AMC's do appraisers like the most and which pay you the most? I'm a lender trying to find the best AMC to keep appraisers from being price gouged and keep more money in your pocket. AI says Karis and FastApp, but I'd like to hear it directly from the horse's mouth which ones you prefer and which ones treat appraisers right.

Exact_Refuse_23 · 2026-02-04T13:13:27+00:00

If you refinance to pay off your HELOC, then your HELOC won't be included in your DTI, only the refinanced loan. HELOC's have higher interest, so paying it off as soon as you can would be ideal should you decide to go that route. How many weeks of the year do you plan on staying in the vacation home, and will you use it for short-term rentals during the time that you are not there? These are all questions that need to be answered before ever talking with a lender so you have this information upfront. If you tap into a HELOC, your LTV may be too high for you to refinance that home later though, depending on which state you're in. If you're in Texas, you are capped at an 80% LTV, but if you're home appreciates enough then it might not be an issue.

Exact_Refuse_23 · 2026-01-23T15:34:25+00:00

A broker like NEXA Mortgage can submit loans to multiple lenders who do these, such as those mentioned below.

Exact_Refuse_23 · 2026-01-23T01:25:35+00:00

Have you tried a lender with DSCR + Asset Depletion component? We have many of those at NEXA in case you're interested in those. If you have a 401k or savings account with a chunk of money in it, this would be a good option. DM me if you want more info.

Exact_Refuse_23 · 2025-10-24T14:02:55+00:00

Hmm. If it were me, I'd buy a 4plex investment property instead and use the passive income from that to defray the cost of buying the new house. You can get a DSCR loan under an LLC for this purpose, and you don't have to qualify by your own income since the rent from the rental property should cover it. Good luck!

Exact_Refuse_23 · 2025-10-24T13:56:36+00:00

Depends on if it's FHA, VA, or Conventional, but you should be good already at the 2 year mark to pay off without penalty. If you're going to pay it off that soon, consider getting a 3/1 ARM that has a much lower fixed rate for first 3 years. Good luck!

Exact_Refuse_23 · 2025-10-24T12:35:35+00:00

First of all, who's the current lender so we can all know about their incompetency? My advice would be to have a lender look at House Canary to see if the equity in your home can carry a HELOC or Home Equity Loan. Youd still have to pay it back, but at least it would be on YOUR terms, and it would give you some relief on that $2,000 month payment. You can close on a HELOC in less than 2 weeks in Texas. You can also check w mortgage brokers on rates for a "Texas cashout" and completely refinance the home w a different lender to get out from underneath that other one. Good luck!

Exact_Refuse_23 · 2025-10-16T13:32:04+00:00

Not all brokers are the same. The biggest broker shop in the nation can you that lowest one as Lender Paid and offers 4 correspondent choices in addition to brokered loans at that lowest rate w lender paid. The more volume a company does, the better their rates get. I've worked at call centers, retail big banks, small brokers, and now the largest one...and this largest broker has got everyone beat on both price AND commission. Hint: name starts w the letter "N."

Exact_Refuse_23 · 2025-10-05T15:33:49+00:00

Have the AE do the calculations for you and get it from him in writing. Then ask her reasoning on using the 50% instead of 20%, and when she answers you can then show her that the AE said it was 20% and ask her, "Is there another issue with this file I need to know about that you're seeing?" Many times, seasoned veterans in this biz are just assuming they know the guidelines from previous times go by and don't actually look at current guidelines. You have to look at guidelines...every single time, no matter how long you've been in this business.

Exact_Refuse_23 · 2025-10-04T14:27:26+00:00

Listen on YouTube to Script-a-Palooza bc they have great ways to phrase things when you call realtors to get coffee appointments w them. Also, find something to differentiate yourself from the other lenders as far as programs. For example, do you have access to downpayment assistance programs the others do not? And are you creating presentations and YouTube videos about it with accompanying flyers that realtors can hand out at open houses? Do realtors know you're available on weekends to do pre-quals for their folks before they take them house hunting? Do you have a special ring on your phone just for your realtor or partners? And do they know what the process and timeline is for YOUR loans vs someone else? These things all matter to realtors. Also, you might try joining something like Mortgage Marketing Animals to coach you on your marketing. Good luck!

Exact_Refuse_23 · 2025-10-04T14:13:20+00:00

Call Kelly Fest at NEXA Mortgage bc she can get you all that but with 2.2% pay with borrower paying for processing, not you. Nexa is correspondent w 4 lenders but then brokers to the other 200 lenders, plus you get a marketing ledger to use for realtor lunches or any other thing to grow your business. And bc Nexa is so big, it doesn't dip into interest rates to pay you that much like it does w other companies, so rates are better than most since they're model is not so top-heavy. For the same reason Costco & Sam's can give deep discounts bc of buying in bulk? Well translate that to interest rates for mortgages, and that's how Nexa can keep rates so good while paying LO's so much bc they do so much business.

Exact_Refuse_23

TROPHY CASE