Special Situations

Self-Employed

  • We are familiar with different business structures; Sole Proprietorship, Limited Liability Corporation (LLC), Partnerships, Corporations and S-Corporations.
  • Self-employed borrowers typically need to provide two years of tax returns. However, our team specializes in handling complicated tax returns and often can qualify using only the most recent year of tax returns, which can eliminate underwriting scrutiny over income fluctuation.
  • Finally, we provide income analysis for self-employed borrowers  up front so there are no surprises during underwriting.
  • We also understand that self-employed borrowers face unique challenges when qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.
  • We are committed to helping you achieve your dream of homeownership. Contact us today to learn more about how we can help you.

Investor Loans

  • We understand that investors face unique challenges when qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced Loan Nerds who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.
  • We can finance single family 1-to-4-unit properties for investment purposes with as little as 15% down. Our experienced team can put together financing packages curtailed to meet your specific needs, such as maximizing cash flow and accelerating asset value.
  • We are committed to helping you achieve your investment goals. Contact us today to learn more about how we can help you.

Asset Qualifying Loans

Asset qualifying: Asset qualifying is a type of mortgage that allows borrowers to qualify for a loan based on their assets, such as cash, investments, and retirement accounts. This can be a good option for borrowers who have a high debt-to-income ratio or who have a history of bad credit.

  • Asset dissipation: Asset dissipation is a type of mortgage that allows borrowers to qualify for a loan by pre-supposing using their assets over time to cover their debt servicing. This can help borrowers improve their debt-to-income ratio and make them more attractive to lenders.
  • Both asset qualifying and asset dissipation can be good options for borrowers who are looking to finance a home. However, it is important to note that these types of loans may have higher interest rates and fees than traditional mortgages.
  • Here is a summary statement that assures the reader that our company is well equipped to assist families wanting to qualify for a mortgage:
  • We understand that borrowers have different needs when it comes to qualifying for a mortgage. We are here to help you find the right loan for your needs. We have a team of experienced loan officers who can help you understand the different types of loans available and can help you find the loan that best meets your needs.
  • We are committed to helping you achieve your homeownership goals. Contact us today to learn more about how we can help you.

Individual Taxpayer Identification Number (ITIN) – No Social Security Number

  • Borrowers with an ITIN may have a more difficult time qualifying for a mortgage than borrowers with a Social Security Number. This is because lenders have less information about borrowers with ITINs, which makes it more difficult for them to assess their creditworthiness.
  • Borrowers with an ITIN may need to provide additional documentation to lenders, such as two years of tax returns and proof of employment. They may also need to have a higher credit score and a lower debt-to-income ratio than borrowers with a Social Security Number.
  • Despite these challenges, it is still possible for borrowers with ITINs to qualify for a mortgage. There are a few lenders who specialize in mortgages for borrowers with ITINs. These lenders have experience working with borrowers who have limited credit history or who are not US citizens.
  • We understand that borrowers with ITINs may face unique challenges when it comes to qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.
  • We are committed to helping you achieve your dream of homeownership. Contact us today to learn more about how we can help you

Foreign Nationals

  • Foreign nationals may have a more difficult time qualifying for a mortgage than US citizens. This is because lenders have less information about foreign nationals, which makes it more difficult for them to assess their creditworthiness.
  • Foreign nationals may need to provide additional documentation to lenders, such as two years of tax returns from their home country, proof of employment, and a letter from their employer stating that they are authorized to work in the United States. They may also need to have a higher credit score and a lower debt-to-income ratio than US citizens.
  • Despite these challenges, it is still possible for foreign nationals to qualify for a mortgage. There are a number of lenders who specialize in mortgages for foreign nationals. These lenders have experience working with borrowers who have limited credit history or who are not US citizens.
  • We understand that foreign nationals may face unique challenges when it comes to qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.

Multiple jobs

  • Borrowers with multiple jobs or multiple sources of income may have a more difficult time qualifying for a mortgage than borrowers with a single job or a single source of income. This is because lenders have less information about borrowers with multiple jobs or multiple sources of income, which makes it more difficult for them to assess their creditworthiness.
  • Borrowers with multiple jobs or multiple sources of income may need to provide additional documentation to lenders, such as two years of tax returns and proof of employment for all jobs. They may also need to have a higher credit score and a lower debt-to-income ratio than borrowers with a single job or a single source of income.
  • Despite these challenges, it is still possible for borrowers with multiple jobs or multiple sources of income to qualify for a mortgage. There are a number of lenders who specialize in mortgages for borrowers with multiple jobs or multiple sources of income. These lenders have experience working with borrowers who have a variety of income streams.
  • We understand that borrowers with multiple jobs or multiple sources of income may face unique challenges when it comes to qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and

Seasonal employment

  • Borrowers with seasonal employment may have a more difficult time qualifying for a mortgage than borrowers with steady employment. This is because lenders are more cautious about lending money to borrowers who have a history of inconsistent income.
  • Borrowers with seasonal employment may need to provide additional documentation to lenders, such as two years of tax returns and proof of employment. They may also need to have a higher credit score and a lower debt-to-income ratio than borrowers with steady employment.
  • Despite these challenges, it is still possible for borrowers with seasonal employment to qualify for a mortgage. There are a number of lenders who specialize in mortgages for borrowers with seasonal employment. These lenders have experience working with borrowers who have variable income or who are not employed year-round.
  • We understand that borrowers with seasonal employment may face unique challenges when it comes to qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.

Recent graduates

 

  • Recent graduates may have a more difficult time qualifying for a mortgage than borrowers with more established careers. This is because lenders look at a borrower's employment history and income when determining their creditworthiness. Recent graduates may not have a long employment history or a high income, which can make it more difficult for them to qualify for a mortgage.
  • Recent graduates may need to provide additional documentation to lenders, such as proof of enrollment in school or certificates of completion and career related non-paying activity. They may also need to have a higher credit score and a lower debt-to-income ratio than borrowers with more established careers.
  • Despite these challenges, it is still possible for recent graduates to qualify for a mortgage. There are a number of specific program guidelines that allow for recent graduates to qualify. Our Nerds have experience working with borrowers who have limited credit history or who are just starting their careers.
  • We understand that recent graduates may face unique challenges when it comes to qualifying for a mortgage. We are here to help you every step of the way. We have a team of experienced loan officers who can help you understand the requirements and navigate the process. We also offer a variety of other services to help you through the homebuying process, such as pre-qualification, home search assistance, and closing assistance.
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