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AI & Technology Why Commonwealth Cost Calculator InsightsUnderwriting capacity that arrives before the volume does.
Credit decisions from CRU-accredited U.S. underwriters with decades of experience between them, returned on a two-business-day standard. Submit through our secure SharePoint portal, or have us work directly in your Encompass instance.
Onshore delivery · Named underwriter access · Encompass or secure SharePoint submission
Most contract shops take agency paper and stop there. We cover multiple products, giving your shop the flexibility it needs.
Agency & QM
Conventional, USDA, and pre-approval reviews when you need a credible answer before a file is complete. We do not underwrite FHA or VA, though our processing, QC and condo teams support those files.
Non-QM & portfolio
Bank statement, DSCR, asset depletion and investor programs read against your guidelines rather than a generic matrix, including the files your matrix does not cleanly answer.
Construction & renovation
One-time close, renovation and draw-based products, with builder review, budget and contingency analysis handled as part of the credit decision instead of bolted on afterward.
HELOC & second liens
Stand-alone and piggyback seconds underwritten to the same standard as first liens, with combined-lien exposure evaluated rather than assumed from the first-lien decision.
Send the file securely
Most lenders submit through our secure Microsoft SharePoint portal- nothing to install, no seats to provision, and it scales cleanly as your volume moves. If you would rather we work inside your own Encompass instance under your credentials and business rules, we do that too.
A named underwriter picks it up
Not a queue and not a rotating pool. Your loan officers get the underwriter's name and can reach them directly on a condition, which is where most of the turn-time savings actually come from.
Decision in two business days
Initial submissions and conditional approvals both carry a two-business-day turn. Conditions are written to be cleared once- specific, sourced to the guideline, and free of the catch-all language that generates a second review.
Through to clear-to-close
We clear our own conditions, taking the file all the way to CTC. All with a simple fee-per-file billing structure. No set-up fees or hidden charges.
Start with one file.
Send one loan through the portal, see what the conditions look like, and decide from there. No long-term commitment to sign first.