In this episode of the Loan Officer Breakfast Club, Allison Johnston breaks down two standout scenarios that every loan officer should know. First, she introduces a rare but valid perpetual homeowners insurance policy—a one-time, fully paid premium with no expiration or renewal—unlike anything most underwriters have seen. She shares how her team at Success Mortgage Partners successfully got this unconventional case approved and closed, demonstrating the value of digging deeper instead of defaulting to "no."
Next, Allison tackles a common challenge: borrowers with variable income. From navigating future income sources like pensions and Social Security to understanding what documentation really matters, she walks through her strategy for making these deals work—even when other lenders turn them down. This is a must-watch if you're looking to close more complex deals and gain an edge in tough markets.
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