Instant Mortgage Rates

Simply put, we are the income qualification experts. We fund refinance loans and purchase loans in some of the most complicated income situations.

Getting a mortgage when you're self-employed can be a slightly different process compared to when you're employed by a company. Here are some key points to consider about documentation.

Documentation is often needed to verify your income and financial stability as a self-employed individual. In some cases, you'll need to provide tax returns. In other situations, your bank statements may suffice. There are even programs where no income documentation is available.

Income verification: Lenders want to assess your income stability and ability to repay the mortgage. They may evaluate your average income over a few years rather than just the most recent year. Having consistent or increasing income over time can strengthen your application.

This works for getting low mortgage refinance rates, cash-out refinance loans, and great rates for home purchase loans, too.

Bank statements: Be prepared to provide several months' worth of bank statements to demonstrate your income and cash flow. This helps lenders verify the consistency of your earnings and assess your ability to cover mortgage payments.

Larger down payment: While not always necessary, being able to provide a larger down payment can help when applying for a mortgage as a self-employed individual when not using tax returns to qualify.

Work with a knowledgeable lender: Finding a lender experienced in working with self-employed individuals can make the process smoother. They will understand the specific requirements and challenges faced by self-employed borrowers.

We offer multiple programs with various waiting periods after foreclosure depending on the circumstances.

Some programs we offer require no waiting periods after a foreclosure. FHA requires a three year waiting period. Conventional Fannie Mae and Freddie Mac loans require a seven year waiting period under most circumstances, but in some cases with extenuating circumstances, three years waiting period is sufficient.

This works for getting the best mortgage refinance rates, and great rates for home purchase loans, too.

Don't let credit blemishes stop you from calling us. We accept credit scores as low as 500, recent foreclosures, bankruptcies and higher debt ratios.

We even have programs for people who have no credit score. Sometimes people who use cash and don't have much credit with the credit bureaus, we can offer solutions that take into account non-traditional credit sources such as on time utility payments.

For foreign nationals looking to purchase in the United States, we offer programs that can use an ITIN number.

This works for getting the low mortgage refinance rates, cash-out refinance loans, and great rates for home purchase loans, too.

We offer low documentation loans specifically tailored for investors of rental properties.

We help investors get funding with low mortgage refinance rates, cash-out refinance loans, and great rates for home purchase loans, too. Whether you need to use the property cash flow to qualify with a DSCR loan, or even if your rental income is less than the payment, we can help with that.

Some of our programs even allow no doc loans and stated income loans, and don't require any tax returns.

We offer multiple loan programs that do not consider property value if you have been on time with your payments. Different types of bankruptcies can have different waiting periods depending on the loan program too.

Did you know you can get a cash out refinance even if you are in the middle of a Chapter 13 bankruptcy? If you have filed a Chapter 13 bankruptcy, you can get an FHA or VA loan while you are still in the bankruptcy, as long as you have made 12 months of on-time payments.

People with Chapter 7 bankruptcies are also eligible for cash-out and purchase loan programs. Some programs require shorter waiting periods than others.

Check with us on each of the requirements for your situation.

With our expanded guidelines, we proudly fund loans that many other lenders decline.

We offer common sense programs that help you qualify with non-traditional sources of income. Whether you are self employed and need a loan that doesn't require tax returns or a property investor who wants to qualify based on cash flow, or simply someone who hates a lot of documentation, we have programs for all types of scenarios to simplify the process and eliminate onerous paperwork.

Whereas many lenders have discontinued lending on manufactured homes, we remain committed to helping. There are several keys to making the process streamlined to finance manufactured homes.

First, most loan programs require that the home was built after June 15, 1976.

The second requirement is that the home must be secured to a permanent foundation. If yours is not, we have programs available to have it become secured through the financing process.

The third key requirement is that if the home is in a park, the park must offer a lease that is a longer term than the term of the mortgage.

We offer cash-out refinance loans for manufactured homes, as well as no-cash out refinances, and manufactured home purchase loans too. We even offer reverse mortgages on manufactured homes.

We offer multiple solutions and a variety of programs to fund loans for borrowers with high ratios. DTI is a mortgage industry acronym for Debt to Income Ratio. Debt to income ratio is defined in terms of the ratio of your total monthly debts divided by your total monthly income.

One of the key ways we are able to solve debt to income issues where other lenders fail is by taking a deep dive into all income sources and squeezing out dollars others miss, as well as analyzing debts to see if any can be calculated a different way.

We fund many loans with this process and people are amazed how just a closer human touch makes such an incredible difference.

However, we also have many clients who often have difficulty showing income or simply do not want to deal with the paperwork. For these people we offer various competitive mortgage solutions that allow for alternative qualification, such as based on the equity of the home, or the cash flow of the property, or even based on other assets.

Be sure to check with us to determine the best program that fits your needs.

We specialize in helping seniors achieve financial freedom. Let's face it. Some seniors think reverse mortgages are scary. In the past, before they were heavily regulated, they had a bruised reputation. But reverse mortgages also are one of the most popular loan programs for seniors who have enough equity, allowing financial freedom by eliminating monthly mortgage payments--most seniors biggest expense.

Reverse mortgages, sometimes called Home Equity Conversion Mortgages (HECM) allow borrowers to live in their homes for the rest of their lives without making any mortgage payments.

While standard HECM mortgages require borrowers to be at least age 62, we also offer programs in many areas that allow people to be age 55.

We also offer reverse mortgage lines of credit and second position reverse mortgages for people who want to keep their existing mortgage in place, but still have extra cash with no payments. Ask us for the details.

Looking to consolidate multiple debts? We can help, whether it be credit cards, car loans, or even mortgages. While each situation is different, there are many advantages to consolidate debt, including overall lower payments that may be needed at certain times in order to increase monthly cash flow and provide some breathing room for people to accomplish other goals like starting a new business, paying for childcare expenses, and helping family members among many other reasons.

Recently divorced or separated: If you are recently divorced or in the process of divorce, we have special loan programs to help you navigate the process and save your home.

We offer multiple methods to help remove an ex from your mortgage loan and title, payout any equity required by the court, and give you some breathing room to get back on your feet.

Need to buy someone off title? People buy others off of title for multiple reasons, including inheritance. Sometimes multiple people inherit an asset like a property and not all want to keep the home, but may still want their share of the home's value. We can help structure a loan to buy out the other beneficiaries in most cases if there is sufficient equity to do so.

Business partner dissolution: We also help investors dissolve interest of a partner from the business through a buyout loan.