{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/d8f8a2270ad24cdaa965e6e57a31ea54\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/d8f8a2270ad24cdaa965e6e57a31ea54-339160a5596b8798.gif","duration":1434.36,"title":"Optimum/NBC (22/09/2026)","description":"This Loom discusses lender policy changes and key underwriting guidelines for new mortgage offerings. The speaker highlights a one-day SLA for five and a half months, expanded mortgage amounts up to $3 million, and simpler BFS requirements including no business financials and no BFS premium, with premiums only for CP in last 12 months, bank-owned in last 12 months, and certain property tax situations. They outline credit and documentation notes such as being mindful of credit sub-50 scores, non-traditional documentation rules for high-rise condos (10 stories or above) at 75% GDA, and elevated debt service ratio sensitivity above roughly 57 to 62. The call also covers rental property treatment and premiums, mentions Portal rollout paused and slated for February with no firm timeline, and expects pricing to stay relatively steady through the next quarter."}