Your income is real. Your mortgage should be too.
If a bank ever said your tax returns didn't tell the whole story, you're in the right place. Short videos explain loan options built for how you actually earn, and I'm here when you're ready to talk.
A loan for every kind of income
Pick the one that sounds like you. Each page has a short video, real-life examples, and a five-question quiz.
Self-employed & business owners
Qualify with bank statements, a CPA-prepared P&L, or one year of tax returns.
Watch & see if you fit1099, commission & gig workers
Options using your 1099, a written employment verification, or your deposits.
Watch & see if you fitReal estate investors
Let the property's rent do the qualifying. LLCs and first-time investors welcome.
Watch & see if you fitSavings-rich, income-light
Let your savings and investments help you qualify, without cashing them out.
Watch & see if you fitCash from your home, keep your rate
A second mortgage leaves your current loan and rate exactly as they are.
Watch & see if you fitInternational buyers
Finance a U.S. rental on its cash flow, without a U.S. credit score.
Watch & see if you fitTraditional loans
If your income is straightforward, a classic program may be your best value. I originate both, so I'll tell you which fits.
One program. One real-world scenario. Your questions answered live.
A 30-minute show where I explain how a loan program works, walk through an example, and take questions on air.
Please don't share personal financial details in the chat. Book a private review and we'll talk one-on-one.
You're in.
Check your email for the reminder and calendar link.
The difference is personal
A real person, start to finish
You'll talk to me, Harold, from your first question to closing day. Not a call center.
Specialty and traditional, side by side
I originate both, so I have no reason to push you one way. You'll see your options and pick what fits.
Answers before you commit
Watch the videos, join a live show, ask questions. Apply only when you're ready.
From curious to applied, at your pace
- 1
Watch
Pick your situation and watch the short explainer video.
- 2
Check your fit
Answer five quick questions. No credit check.
- 3
Talk it through
A 15-minute scenario review with me. You get a straight answer.
- 4
Apply
Start the secure online application. Save and come back anytime.
Estimate a monthly payment
Enter your own numbers to see a rough estimate. It's a planning tool, not a rate quote.
For illustration only. This is not a rate quote, loan offer, or commitment to lend. The interest rate is whatever you enter and does not reflect current rates or your eligibility. Taxes are estimated at 1.1% of price per year and insurance at $1,400 per year when included. Mortgage insurance and HOA dues are not included. Your actual rate, payment, and terms depend on credit, program, property, and other factors.
Latest stories and replays
The contractor with a great year
How bank statements told the story her tax returns couldn't.
Keep your low rate and still get cash
Second mortgage vs. cash-out refinance, side by side.
DSCR loans: let the rent qualify
How rental cash flow does the qualifying, in plain English.
Stories are illustrative and do not depict actual clients.
Start your application, or talk it through first
Already know what you need? Apply online. Still figuring it out? Request a free scenario review and I'll reach out.
- No obligation to talk it through
- Secure online application you can save and finish later
- Specialty and traditional options compared side by side
Frequently asked questions
No. Non-QM loans are fully underwritten, and lenders still verify you can repay. They simply accept different documentation, like bank statements or rental income, instead of the standard two years of tax returns.
Often, yes. Depending on your situation, options may use bank statements, a CPA-prepared P&L, a 1099, a written verification of employment, your assets, or a rental property's income. A quick scenario review tells us which fits.
Specialty programs are often priced somewhat higher because the documentation is different. Pricing depends on your full profile. I'll compare specialty and traditional options side by side so you can decide.
No. Watching videos, taking the quiz, and talking through your scenario don't involve a credit check. Credit is only pulled with your permission when you apply.
I can help with properties in the states where I'm licensed: [LIST YOUR LICENSED STATES]. Some programs aren't available in every state; I'll confirm on our call.
Just a rough idea of your goal, how you're paid, and the property if you have one in mind. No documents needed for the first conversation.