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About Jayson Bates

Licensed State of Arizona loan officer with extensive experience in genereating leads, self promotion and customer service. Over 17yrs of lending experience at all levels and over 5 years of Sales Management experience. Public speaking and teaching classes to Realtors for their required continuing education requirements. I have been in the presidents club 4 out of 5 years and was loan officer of the year 2008 out of 75 loan officers. Direct experience with underwriting, FHA, VA, Fannie, Freddie, Conventioan and non conventional lending.


I do not have a waiting period for a buyer after a short sale provided the buyer meets the Fannie/Freddie HUD min requirements!

1) No FICO required for FHA
2) Escrow hold backs not problem
3) 10 financed properties not problem
4) If it fits the 4155 then I close it! No overlays what so ever!
5) Reverse Mortgage purchase
6) 620 fico to 95%
7) Ability to portfolio loans as needed
8) Can close on an unfinished home
9) Homepath financing
10) 203k and 203k Streamline loans
11) USDA loans with high DTI
12) 580 FICO FHA Available
13) 90 day Flips, No problem on any product. Greater than 20% increase, no problem
14) FHA Financing to 57.49% DTI
15) 97% Conventional Financing down to a 620 FICO
16) Up to 95% Financing with NO mortgage Insurance
17) 90% 2nd home Conventional Financing down to a 620 FICO
18) In house credit analysis for your buyers at no cost to them


We have no overlays to our underwriting! We are a direct Ginnie Mae seller service lender which means better pricing for your buyer and no overlays to deal with. If the loan fits the 4155 or the Fannie/Freddie guidelines then it closes it is that simple. If the loan makes sense then we will close it. It is that simple. We do not have warehouse line restrictions as we are the lender and service provider.

In house underwriting and Funding!

I can close a loan in a week as well. I have closed 3 loans that other lenders couldn't get done because of their overlays!
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