y.   Luxury Jumbo, Construction, Second, FHA, USDA and first time home buyer loans each have special needs and requirements. I pride myself in keeping up with the market changes and guidlelines even in the ever changing world we live in today. When a new client comes in before give a pre-approval, I have researched the latest guidelines for the product they are interested in to make sure that overnight something didn't change. I run automated underwriting to ensure the loan is able to close and on time and smoothly.   What they