How is a Non-QM Loan Different, and Why Should I Consider One?
If you’ve heard of a non-QM loan but aren’t sure if it’s right for you, then you’ve come to the right place. We have developed an expertise in connecting our clients with the financing that best aligns with their needs and goals. If...
Are the Higher Interest Rates on a Non-QM Loan Worth It?
One reason some of our clients have delayed in applying for a non-QM loan like a bank statement mortgage or cash flow investment loan is the interest rates. In many cases, the mortgage interest rate for a non-QM loan will be a bit above what you would get with a...
Is the Documentation for a Bank Statement Loan More Complicated?
Bank statement loans can be a streamlined alternative to traditional mortgage applications. For many hopeful homebuyers—especially self-employed individuals, business owners, and freelancers—getting approved for a mortgage using traditional income documentation can be...
Mortgage FAQs During a Divorce
Mortgage FAQs During a Divorce – If you are in the middle of the divorce process, you may be wondering how this will affect your mortgage options. In this challenging transitional period, we are here to help. To speak with a loan officer about refinancing,...
How Can I Qualify for a Mortgage If My Income is Seasonal or Fluctuating?
Buying a home is a dream that may feel out of reach if your income fluctuates dramatically or is greatly affected by seasonality. You may assume you won’t be able to qualify for a mortgage without the traditional income verification most lenders require, but we...
Getting a Mortgage When You’re Self-Employed: It’s Easier Than You Think
Buying a new home is a dream for many self-employed individuals who find themselves held back by the hurdles required to submit an application. Unfortunately, there are some myths that continue to be perpetuated about how difficult it is to buy a home when you are...
Maximizing Tax Deductions & Buying Luxury Real Estate – You Can Have Both!
One of the best benefits available to you as a successful self-employed person can also become a major hurdle when you want to buy a home; we’re talking about tax deductions. If you’re self-employed, you probably take advantage of tax deductions to...
Buying Luxury Real Estate Without Using Tax Returns
Any time you are doing things differently than the majority, you might run into unique obstacles. Many people find this to be true as a self-employed person or business owner when they want to buy a home. For anyone in this situation, we know that purchasing luxury...
How Do Mortgages Work If You’re Self-Employed?
If you’re ready to pursue buying a home, but you’re self-employed, you might be wondering how the process will differ for you. A lot of the information you find online might not apply in your scenario, as someone who is financing ready for homeownership...
Welcome to my Blog!
Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.