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5-Day CTC on a High LTV Cash-Out: Won on Speed and Program Fit
January 23, 2026
| Client: Joel Akanbi | Broker: New Tech Mortgage Corp. | ||||
| 5 daysClear to close | 1Investment purchase supported | 6-monthPrior listing cleared | |||
| Clear to close | Investment purchase supported | Prior listing cleared | |||
The Challenge
A High LTV Deal with Extra Restrictions
Joel had a borrower looking to tap equity from an investment property to move quickly on another purchase. The challenge was that the loan carried a high LTV, already narrowing the lender options. Things tightened further when it surfaced that the property had been listed for sale within the last six months.
Joel needed a lender who could:
Work with a higher LTV where others wouldn’t
The leverage was already pushing the upper edge of what most lenders will even look at, which meant fewer real options from the start.
Not automatically disqualify the file due to a recent listing
Once the recent listing history surfaced, many programs would have declined it immediately, so Joel needed a lender willing to review the full scenario instead of issuing an instant “no.”
Move fast so the borrower could access equity without losing momentum
The borrower was trying to turn equity into their next investment quickly, so every extra day waiting risked losing the opportunity.
The Solution
Clear Answers and a Faster Path Forward
Joel connected with Account Executive Salvador Rang and described the full scenario. Salvador confirmed that the loan could still move forward despite the LTV and recent listing history. Just as important, he showed that the deal could be done at a more competitive rate than other options Joel had on the table.
With confidence in the program and timeline, Joel moved the file over.
The Result
Speed, Certainty, and a Borrower Ready for the Next Deal
Once the loan was placed correctly, everything fell into place:
CTC delivered in under 5 days
The file moved fast, keeping expectations clear from start to finish.
The borrower accessed equity quickly to acquire another investment
Funds were unlocked in time for the borrower to move on to the next investment opportunity without missing the window.
Joel was able to deliver a solution when options were running thin
Even with the lender list shrinking, Joel still brought a workable approval to the table and kept the deal alive.
A high-touch experience that reinforced trust with both the broker and the borrower
Consistent communication and hands-on support built confidence on both sides throughout the process.
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