One of the most common questions we get is: “If your borrowers can’t get a mortgage, how do I know they’re not high risk?”
The answer? It’s not about score. It’s about story.
At The Lucky Group, we’ve developed a robust borrower evaluation system that looks beyond traditional metrics to assess true financial health—protecting both our borrowers and our investors.
Our Vetting Process
- Income Analysis: We evaluate actual cashflow, not just reported salary. This includes 1099 income, contracts, side gigs, and rent history.
- Down Payment Requirement: Most buyers put 10–20% down. This ensures alignment and reduces default risk.
- Payment History Review: We examine rent and utility payment patterns—real indicators of monthly responsibility.
- Personal Interviews: We talk to every borrower. If they’re not financially or personally ready, we don’t move forward.
Underwriting for Stability, Not Exclusivity
Unlike banks, we don’t punish someone for being self-employed or having one medical collection from years ago. We focus on patterns, not penalties.
The result? A borrower base with skin in the game, a proven history, and a clear path to succeed.
Smart underwriting isn’t about saying no. It’s about knowing who to say yes to.
