Lending Options Agents Should Know About
Need more from your buyer pipeline? This session shows how agents can earn lender referrals, help investors close faster, and monetize more leads using JV partnerships, DSCR loans, down payment programs, and creative financing options.
Learn how to:
-Offer more options to clients
-Monetize more buyers (even the tough ones)
-Earn better referrals from lenders
-Improve your open house lead conversion
-Help investors close more deals
-Get paid on funded loans through our JV structure
"Let’s stop thinking one loan equals one home. Use these programs and you could sell five instead of one."
"DSCR seems like a great product."
"This is the type of lender you want tabled at your open house!"
💡 Want the quick agent pitch for lender referrals?
Reach out to some lenders you know and say this:
Subject Line: Want 5 Hot Buyer Leads this Month?
“I offer an EZ listing option designed to attract 80–100 guests at open houses. I’m looking to partner with a lender who’s ready to show up and help convert on the spot. Want more pre-approvals? Let’s talk.”
That sentence alone could open the door to your next 5 qualified buyers.
Resources:
📄Novus Buyer Brochure
📄DSCR Loans with Novus
Contact Dave Elkins with Novus Home Mortgage
Email: David.Elkins@novushomemortgage.com
Website: NovusHomeMortgage.com
Key Takeaways:
Close more deals with DPA (even for high-income, low-credit buyers)
Offer creative lending options to real estate investors (DSCR, Refi-to-Buy, Fix & Flip)
Learn how agents get paid on funded loans with our joint venture model
Improve open house conversion with lender support
Unlock inventory by helping seniors stay put with reverse + rehab strategies
Get free leads (FL, TN, NC, OH) through Novus agent-lender collaboration
Glossary of Terms:
DSCR Loan: Debt Service Coverage Ratio loan for investors; approval based on property income, not borrower income.
DPA (Down Payment Assistance): Programs to help buyers with limited cash—available in-house or through state/federal sources.
JV (Joint Venture): As an example in this workshop, a partnership between EZ and Novus Mortgage allowing agents to get paid a percentage of funded loans.
Refi to Buy: Tap equity from one property to fund the purchase of another—great for investor growth.
Manufactured Home: A factory-built home on permanent land. Loan options vary based on year and structure.
USDA Loan: 0% down loan program for qualified rural buyers.
Asset Utilization: Use retirement, savings, and other assets to calculate income without a W-2.
Delegated vs. Non-Delegated Loans: Delegated = in-house approval, faster, more flexible. Non-Delegated = brokered out, slower, less control.
Final Thoughts:
This was part of the EZ Vendor Series, which is focused on building referral relationships and a vendor team. Up next? How to network and utilize interim lending/transactional funding to help on quick deals and wholesale opportunities.
If you’re not showing up now, you’ll miss what’s coming next.
- Previous Sessions (with resources)
- Video replays on YouTube
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