1. THE BEST OPPORTUNITY
IN MORTGAGE
BANKING TODAY
ON TIME. EVERY TIME.
Envoy leads the industry with cutting-edge technology. Winning the Tech-Savvy Lenders
Award for 7 years in a row, we understand the need for a robust technology foundation
that allows for you to conduct your daily business.
TECHNOLOGY:
Your Envoy Support Team is always within reach. Whether it's an underwriter, closer, IT tech or branch
support, our team is always available (some departments are available on weekends too!)
SUPPORT:
As one of the nation's largest privately held mortgage companies, we have the ability to create and meet a
variety of mortgage products.
SECONDARY:
Envoy Associates enjoy access to a wide array of
mortgage solutions backed by:
At Envoy, we pride ourselves on the ability to enforce value in
everything we do. For starters, we deliver on our promises to our
associates while providing the best in-class services. This allows us
to build strong partnerships for life
Our corporate commitment to you - the originator.
Our dedicated effort transcends throughout each Envoy
department and flows to our referral partners, borrowers and all
Envoy associates. It's our commitment to always be on time. every time.
We accomplish this by committing to:
- Same day Pre-qualifications
- Underwriting Decision within 2 days *within receiving a complete file
- Closing Docs Ready within 24 hours *from receiving final approval
Envoy is the annual recipient of Mortgage Technology’s Top 25 Savvy Lender since 2007

2. WHY ENVOY?
VA LOANS
extraordinary options to serve those families who served our county
580 minimum credit score
High Balance loans available (subject to guidelines)
VA IRRRL options available
RENOVATION
perfect for new home construction or renovation
Fannie Mae Homestyle Program
Full renovation 203K and Streamline available
SPECIALIZED PROGRAMS ALSO AVAILABLE
Investment properties (up to 10 properties per household)
Escrow holdbacks
Energy-efficient loans (EEM)
Mortgage revenue bond and down-payment assistance
programs (DPA) and
mortgage credit certificate (MCC) programs
CONVENTIONAL LOANS
a more traditional approach to meeting your needs
Loan Limits up to $417,000 along with high-balance
Loan Limits and Features
97% LTV options available
Financing flexibilities HomePath properties
Condo and PUD project approval and eligibility
Co-ops and manufactured property options
Du Refi Plus/LP Open Access loans with no LTV restrictions
JUMBO
a higher limit product for home loans over conventional limits
Loan limits up to $3,000,000
85% with no MI options and 90% with MI options
95% in FNMA high balance counties
Interest-only option
Fixed-rate and adjustable-rate options
FHA LOANS
a great way to buy your first home or accommodate special situations
AUS and manual underwrite option
580 minimum credit score
All Streamline refinance options offered
USDA LOANS
The perfect solution for financing rural properties in certain counties
GUS and manual underwrites allowed
0% Down payment
620 minimum credit score
Envoy Mortgage is a leader in the industry for many
reasons. We offer excellent one-on-one service to
you, the loan originator and your team. We are here
to get loans closed in the quickest, most efficient &
compliant methods possible.
All applications subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. Envoy Mortgage Ltd. #6666, 5100 Westheimer Road., #320, Houston, TX 77056, Phone #877-232-2461; AR
Banker/Broker/Servicer License #103315 - AZ Mortgage Banker Licensee – License #0908096; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #413 0597; CO Mortgage Company Registration # 6666, Regulated by the Division of Real Estate; Licensed by the Delaware State Bank Commissioner
Licensed Lender Licensee #011264; Georgia Residential Mortgage Licensee License #23619; Illinois Residential Mortgage Licensee – License #MB.6759338; MA Mortgage Lender Licensee – License #MC6666 ; MA Mortgage Broker Licensee – License #MC6666; Licensed by the Mississippi Department of Banking and Consumer Finance License #6666; Envoy
Mortgage Limited Partnership – Licensed by the New Hampshire Banking Department License #14552-MB; Licensed by the N.J. Department of Banking and Insurance NMLS #6666; Licensed Mortgage Banker – NYS Department of Financial Services, License #B500979, 746 Merrick Rd., Baldwin, NY 11510; OH Mortgage Broker Act Certificate of Registration
#MB.804190.000; OR Mortgage Lending Licensee #ML-3933; Rhode Island Licensed Lender – License # 20092627LL; Rhode Island Licensed Loan Broker – License # 20122861LB; TX Mortgage Banker Registration- NMLS #6666; TX Regulated Loan License #42377. This office is licensed and examined by the Office of Consumer Credit Commissioner of
the State of Texas; Virginia NMLS ID#6666 (www.nmlsconsumeraccess.org) – Lender License and Broker License # MC3021; Envoy Mortgage Ltd d/b/a Envoy Mortgage, L.P.- WA Consumer Loan Company License # CL-6666 –http://nmlsconsumeraccess.org
Michele Catoire
Branch Manager | NMLS# 185044
Phone: 206.909.4114
mcatoire@envoymortgage.com
www.envoymortgage.com
11225 SE 6th St. #C120
Bellevue, WA 98004