What is an overlay? Why do I get two different answers from two different companies?

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Scott Kurahara
Mortgage Loan Originator
NMLS 888734
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara

New American Funding NMLS #6606
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