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Motto Mortgage Community Solutions

Loan Officer Command Center

Open Google Chat Open Credit Advisor

Fast tools for busy LOs

Use the Program Finder to route scenarios, the LO Walkthrough to capture essentials mid-call, and LoanSifter for pricing.

Open Google Chat Open Credit Advisor

Smart Program Finder

FHA ≥500 (10% down for 500–579), VA ≥500, USDA ≥550. Flags manual review: late pays and disputes > $1,000 (non-medical).
Collections rule: For non-medical collections with aggregate balance > $2,000, include a payment equal to 5% of the total in DTI.

For internal use. Not a loan approval.

AUS Coach (DU / LP / GUS)

LO Walkthrough

  1. Capture & Qualify: PreApp + docs
  2. Run AUS (DU/LP/GUS)
  3. Check LoanSifter for Pricing — Open LoanSifter  Username: Shatoya.mlo@gmail.com • Password: Community24!
  4. Disclosures & Lock
  5. Processing → CTC

Lender Sifter

Open Google Chat
LenderAE ContactConventionalDPAFHA MinFHA DPA Admin203(H)203K Std203K Ltd$100 DownVA MinVA RenoVA IRRRL UW Fee WaivedUSDA MinUSDA RenoFreddie Choice RenoManual GovHome PossibleHomeReadyHomeStyleHome One2nd/HELOCReverseServices LoanCompetitive AdvantageRepair Escrow

Lenders (expand to view AEs & links)

Team Roster

NameTitleNMLSPhoneEmail

Lead List

NameSourcePhoneEmailStatusAssigned LONotesActions

Clear to Close — Form

Closed Loan File — Payout Request

Marketing Library

Quick link to Drive folder and add your own shortcuts.

Open Google Drive Marketing Folder Open Google Chat
""" """ Credit Advisor – CMS Command Center
CMS Command Center
No PII required

Credit Improvement Advisor

Enter key credit details or paste report text (no SSN/DOB/address). Runs entirely in your browser.

Remove personal identifiers. This tool does not store or transmit data.

Lender Overlays (Typical Targets)

These are common thresholds; confirm investor overlays and pricing hits for your specific lender list.

Conventional
  • Minimum FICO: 620+
  • Best pricing tiers at 640/660/680+
  • DTI often 45% (up to 50% w/ strong file)
FHA
  • Minimum FICO: 580+ (some 500–579 with 10% down)
  • DTI 43–50% depending on AUS
  • Manual underwrite overlays vary
VA
  • Some lenders go to 500 FICO or even no-score
  • No official VA min; overlays vary widely
  • Focus on residual income & DTI
USDA
  • Some lenders allow 550+ FICO
  • GUS findings drive approval; overlays vary

Rapid Rescore Helper

Rescore Checklist

  • Updated creditor letter showing $0 balance or deletion
  • Proof of payment (receipt/statement)
  • Updated credit card statement with new balance
  • Collection agency deletion letter (if applicable)
  • Submit to CRA via lender’s rescore provider
"""