THE FUTURE OF FUNDING The Future of Funding has evolved into an "Us" (The Borrower and/or Broker) vs. "Them" (Lender/Funding Source) mentality and the biggest hurdle is the ability to access capital in an efficient manner. The current structure of capital access is layered through a processes of "correspondent lenders" and "wholesale lenders" each may have there own internal underwriting processes that can drastically reduce your clients net proceeds and lower the LTV with each and every level of "valuation opinion".