Ask which rule applies
When a lender identifies a condition, ask whether it comes from the agency program, automated underwriting findings, mortgage insurance, or the lender’s own policy. That distinction helps you understand what a different lender could and could not change. Fannie Mae — Selling Guide ↗
Compare real scenarios, not promises
Provide the same truthful information when comparing lenders. A different lender may evaluate a scenario differently, but no one can promise an approval simply because an agency guide appears more flexible. Property and documentation requirements still matter.
Keep a short question list
Ask for the specific condition, the documents that could resolve it, and whether the lender has reviewed the complete scenario. Do not omit debts or other relevant facts to obtain a more favorable answer. Clear inputs make comparisons more useful.
PUT IT INTO PERSPECTIVE
An example, not an offer
Illustration only: if two lenders request different reserve amounts for the same proposed transaction, ask each to identify the rule and show the dollars required. A difference in reserves is not proof that either lender will approve the loan.
Compare broker and bank options →Related questions
Check the original guidance
Requirements and availability can change. Confirm the program and lender terms for your application.