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[Music] hi my name is alex carlicchio with gustin show associates i want to talk to you about va and fha manual underwriting we specialize that here so you've been denied by bank come to us because we can downgrade to your manual and possibly get you done i'm not promising anything but we we do a lot of manual writing here so one of the topics today i'm going to talk about the only topic is on a manual underwrite you always hit the verify rent now for va they want 24 months rent on a manual on the right should verify 25 hours 24 months rent and fha wants 12. now with fha it has to be 12 months clean with v8 i believe you get one or two lates but not in the last 12 but in the prior 12 you have a couple late payments on your run but nothing more than two and they're going to verify with your landlord so they're going to send something to the landlord the investors we don't do it so we have nothing to do with where they keep us away from it and they send something to the landlord the landlord's got to fill out the form so it can be a company or it could be an individual so it doesn't have to be a company you're renting from it could be a landlord who owns the three unit he's renting one of the units to you but they are going to reach out to them and they're going to make them fill a form out and state your on-time payments for 24 months for va in one year for fha and that's required and that's just the way it goes and that's part of the manual underwriting and give me a call if you've got any questions my phone number is 630-915-7550 and please subscribe