Frequently Asked Questions

Your first payment should be made to American Financial Resources, LLC. You can make your payment online here. 

Unfortunately, we do not currently offer these products but are always exploring new markets. Be attentive to our marketing communications to keep abreast of all the changes we make.

Our overlays are minimal as we remain focused on buying what the Agencies allow. We do have a few however which can be found here and within each product specific guidelines section, FHLMC, FNMA, FHA , and more…..

We take a unique approach, funding each loan once approved and ready. We don’t agree with the concept of a set funding schedule that limits your opportunity to get paid. With eLEND, we’ll send you a notification of funding as soon as it happens for each loan. We’re committed to keeping the funding process clean, efficient, accurate and fast.

The ROV process allows borrowers to request a review of their property appraisal if they believe there are factual errors, missing information, or signs of bias or discrimination. This process follows Property Appraisal and Valuation Equity (PAVE) guidance from FHA, Fannie Mae, and Freddie Mac.

Borrowers may request an ROV after receiving the appraisal report and before loan closing. Only one ROV request can be made per loan. eLEND encourages borrowers to submit concerns as early as possible to allow time for review and resolution.

You can request an ROV if you identify:

• Factual errors or omissions in the appraisal (e.g., incorrect square footage, missing home features)

• Use of inappropriate or inaccurate comparable properties

• Evidence that the appraisal may have been influenced by bias or discrimination

1. Gather supporting evidence, such as additional comparable sales (up to five), documentation of factual errors, or proof of market changes.

2. Complete the ROV Request Form with detailed explanations and attach all supporting documents.

3. Submit your completed form within five business days of receiving the appraisal, following the submission instructions on the form.

eLEND reviews your request to ensure it includes all required information. If valid, eLEND sends the standardized request to the Appraisal Management Company (AMC), which engages the appraiser to review and, if appropriate, revise the appraisal. The ROV process must be completed before loan closing.

If evidence suggests bias or discrimination, eLEND will report the issue to the appropriate regulatory agencies. A second or subsequent appraisal may also be obtained. Examples of bias include references to race, ethnicity, or neighborhood diversity in the appraisal report.

To maintain appraiser independence, do not:

• Suggest a desired property value or range

• Submit prior appraisal reports (though you may include comparable sales from them if recent)

• Use disrespectful or coercive language

No, our pricing for Correspondent is a different from Wholesale. Each channel has their own, unique pricing structures.

You can find our Correspondent Channel by clicking here to see the Correspondent Client Guide and here to view more details on our Correspondent programs.

Assuming all of the required documents are presented at submission, it should take us about less than two weeks to get you approved.

We currently work with all the major engines. If there is one in particular you’re inquiring about let us know.