My name is Chris Doerring. I am currently in the underwriting stage of the mortgage process with another lender. I have just read about lending overlays from your website. I was never aware of overlays before and have no idea if my lender has them. My question is if I get a denial from them, can I pivot with an application to your company for an FHA loan with a closing date on or before 8/15/18? I have everything in place including the lenders appraisal and everything but I am nervous regarding these lender overlays that your website talks about. Thanks in advance.