Headshot of Underwriting Agent and VP of Underwriting David Martin

David Martin

SVP, Underwriting

(864) 751-9059

Agency Underwriting

As the industry leader in Fannie Mae DUS™ and Freddie Mac Program Plus™ contract underwriting, our staff understands the diverse needs and delicate intricacies of Agency lending.

Our team provides quick, thorough, and accurate pre-screen and full underwriting services on multifamily loans, including affordable, seniors, student and manufactured housing – from small balance to large portfolios.

We are proud to call over half of all Fannie Mae DUS™ Lenders and Freddie Mac Program Plus™ Seller/Services our esteemed clients.

  • Full Loan Underwriting
  • Review sizing and loan structure
  • Critically examine historical cash flows and prepare pro forma underwriting in accordance with investor guidelines
  • Investigate and analyze borrower credit, history, and financials
  • Review management company experience and suitability
  • Critically review third party reports
  • Perform site inspection
  • Collect market data, analyze comparables, and interview market participants
  • Identify strengths/weaknesses and mitigates to risks
  • Prepare program waivers
  • Present to credit committee and delivery support


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