Our online pricing engine Optimal Blue (OB) gives up to the minute real time pricing and the ability to lock most loans.
Lock Desk Hours: 8 am to 5 pm Pacific Time, for pricing and locking most programs.

A few programs require Agency Pricing, which you get directly from secondary marketing via email: wholesalelockdesk@mmclending.com.  When sending a request for Agency Pricing it’s a good idea to send a copy of a fully and accurately completed lock request form from your loan processing software.

Be sure the information input is complete and correct so that the pricing you get is accurate.

Loan types that require Agency Pricing

FHA

  • Manually Underwritten Loans (DU Refer/Eligible OR loan downgraded to manual)
  • Non-Credit Qualifying – FHA Streamline Refinance
  • Manufactured Housing
  • 203K Rehab
  • HECM – Reverse Mortgage

VA

  • Manually Underwritten Loans (DU Refer/Eligible OR loan downgraded to manual)
  • VA IRRRL (VA Interest Rate Reduction Refinance Loan)
  • Manufactured Housing

Conventional

  • Manufactured Housing
  • Investor loans with 5 to 10 Properties
  • HomeStyle Renovation loans
  • Manually Underwritten Loans (DU Refer/Eligible OR loan downgraded to manual)
  • Note: Conventional loans priced in OB under Series 9000 is Agency Pricing

ANY loan can be locked in using Agency Pricing.