Mega Capital Funding
Mega Capital Funding uses Zeitro Strata in its daily pre-underwriting workflow, across 40+ states, to decide eligibility earlier and move files forward with clearer next steps.
The challenge
Early scenario review is time-sensitive. Teams decide with partial borrower information, several possible programs and tight internal deadlines, before full underwriting begins.
Checking guidelines one by one, for every program that might fit, took hours of research and back-and-forth between loan officers, support staff and the scenario desk.
What Zeitro changed
Loan officers and support staff ask Zeitro Strata the scenario the way they would ask their scenario desk. It identifies eligible programs, surfaces the key conditions up front (FICO, LTV, DTI, DSCR, occupancy, condo eligibility, seasoning and mortgage insurance limits), and flags documentation and timing requirements early.
Edge cases that used to wait for underwriting are handled at the desk: 2-unit properties, family opportunity loans, self-employed borrowers with under two years of history, non-warrantable condos and condotels, cash-out waiting periods and refinance timing after mortgage lates.
Product in use
Results
- $31,935 in value generated on $2,390 in spend: 13x ROI in the first three months.
- 417 hours of research time and 314 hours of communication time saved.