Employees

Alt-doc loans are like a puzzle. Unlike traditional or conventional government loans, where guidelines are about 95% the same from one lender to the next, all non-QM lenders have different [...]

Like projects? Interested in a fixer-upper? A rehab home can be a great investment for the right buyer. We hear there is nothing like turning a diamond in the rough into your dream home. Just [...]

There is a misconception that FHA programs are only for people with low income and bad credit. That is not true at all! FHA loans are actually the most popular mortgage loan, and up to half of [...]

Income There are no guidelines for salary, but each lender will have their own rules for income. Debt-to-income ratio is the key. You do need two years of employment in the same line of work, [...]

FHA Basics If you don’t have 20% for a down payment and/or have credit issues, this might be the loan for you. Even with credit score challenges or past blemishes, the bank can balance [...]

1. Realtor referrals Most people shopping for homes already have a realtor. A seasoned realtor can offer you names of brokers if you ask.  The upside is the realtor trusts their mortgage partner, [...]

When you are self-employed or want to invest in real estate, you probably face a dilemma when seeking a mortgage for a purchase or refinance. Whether it is due to your tax returns, fluctuating [...]