Floor one
Dev Ramanathan
Government lending — FHA, VA and USDA
Spends most of his time explaining that FHA mortgage insurance does not stop at 80%.
A written character. Not a real person.
Floor two
What this character is for
Dev handles the government programmes, which is where most of the misunderstandings live. FHA’s annual MIP runs for the life of the loan when the loan starts above 90% loan-to-value, and almost every FHA loan does.
He is the reason the FHA calculator on this site prints the duration rule next to the number instead of below the fold.
Every person on this demonstration’s team page exists to carry one argument the site wanted to make about lending, so that the argument has somebody attached to it rather than floating free in marketing copy. That is the whole of the fiction: there is no career history here, no volume closed, no award, and no number that could be mistaken for a record of anything.
Floor three
What would sit on this desk
At a real lender, these are the three things this role would spend its week on — and each one has a page here that does the arithmetic instead.
FHA MIP duration
VA entitlement and the funding fee
USDA eligibility
Floor four
Reaching a person who is not there
Direct line
(414) 555-0148
Inside the 555-01NN block reserved for fiction. It cannot ring anybody.
Licence
Not published
A real originator’s NMLS ID would sit here. Why this one does not is on thelicensing page.
Nothing on this page reaches anyone. If you want the thing a phone call would have been for, the calculators will answer it faster and show you the rule they followed — and Storey Home Lending would not be able to quote you anything anyway, since it publishes no rates and holds no licence.