If someone has late pays from over 24 months ago but they have a lot of them, does it still affect funding enough for them to want to go through CR before funding? -LH

Yes, if a client has a ton of late pays even past 24 months, it will effect their funding as bank underwriters and automated systems will still see and "flag" the late pays on the report. 

Use your best judgment in this scenario. Recommend client go through credit repair first for the best results, if they want to proceed, set the proper exepctatin that they may not get the results they're looking for.