video1.0<iframe src="https://www.loom.com/embed/6709888735d24040a594a9726017b524" frameborder="0" width="1920" height="1440" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>14401920Loomhttps://www.loom.com14401920https://cdn.loom.com/sessions/thumbnails/6709888735d24040a594a9726017b524-57a9b4f635c4331b.gif3452This Loom reviews NPX and related Merrix product options, focusing on how they boost clients borrowing power and what underwriting factors apply. The presenter explains NPX fits near prime and near private and highlights two main products: Access, stress tested with up to 55-55 ratios and a 35-year amortization, plus Extended 40 (contract-rate qualified) with up to 60-60 ratios, 40-year amortization, ratios up to 60-60, and requirements like a 600 Beacon (650 Beacon for BFS), one-year tenure, and possible 3 to 6 month bank statements with rate premiums. A worked example shows $100,000 income qualifying for about $460,000 on the A side versus about $640,000 on Access and about $885,000 on Extended 40, with monthly savings due to longer amortization. The session also covers BFS income treatment, rental offsets and addback limits, and broker portal and underwriting support from Ashley, Michelle, Jeff, and Trisha.