Standard Fee
$995 / file
Eligible loan types
- Conventional
- Jumbo
- FHA
- VA
- Hard Money
Third-party processing services
Seamless, compliant execution for any loan, with any lender.
Christine Tapia's independent third-party processing (Everyone's Processing Company, NMLS 2030003) — bulletproof file compilation, direct underwriter navigation, and investor-speed pipelines across 37 states. Ranked #1 company-wide (Gold) with a 5.0-star average across 317 broker reviews and 410 funded units. In June alone: 62 files, $20.6M in volume, and a 26-day average turn time.
Is this a fit?
Tell us about your pipeline
A few things we ask every broker before onboarding.
Production & deal flow
- Average monthly closing volume
- Core deal mix (Conventional, DSCR, Fix & Flip, Commercial)
- Top 2–3 lenders you send most business to
File readiness & hand-off
- Complete 1003 + upfront doc stack before hand-off?
- Full executed contract package on Day 1 for purchases?
- Should we work conditions directly with your client, or route through you?
Workflow & systems
- Your LOS/portal, and can we get direct processor credentials?
- Preferred update channel — LOS/CRM, email, Slack/Teams, or phone?
Per-file pricing
Transparent pricing. Any lender.
Pricing is subject to deal complexity — average pricing structures are detailed below.
Non-QM Products
$1,295 / file
Eligible loan types
- All Non-QM products
- Non-QM seconds
Other Products
$650 / file
Eligible loan types
- IRRRL
- Streamline
- Standard seconds
Customizations & add-ons
Resubmissions
$100
Manual underwriting (UW)
$150
Rush file — 20 days or less
$200
Registration services
Custom quote
Fees shown are average per-file pricing structures; final pricing is subject to deal complexity. Processing services provided by Everyone's Loan Company DBA Everyone's Processing Company (NMLS 2030003), an independent third-party processor.
Why brokers choose EPC
Files are won in execution.
A top-producing senior processor specializing in unconventional financing, investor portfolios, and complex corporate entities — 5.0 stars across 317 broker reviews (since September 2025), with 62 files and $20.6M funded in June alone.
Bulletproof Files
Complete, audit-ready file compilation up front — packaged for an immediate, clean approval.
Direct Underwriter Navigation
Conditions anticipated before they're issued, with direct lines to underwriting so files never stall in a queue — a 26-day average turn time in June.
Any Loan, Any Lender
Licensed across 37 states with compliant execution for conventional, government, hard-money, and Non-QM files.
Processing services inquiry
Have a file that needs to move?
Tell us the loan type, lender, and timeline — we'll confirm pricing and get it into the pipeline.