Everything You Need to Know About Non-QM

How to get a Home Loan When you are Self Employed

Get ready to celebrate! It is easier then ever for lenders to use other types of evidence to verify your income when you apply for a home loan.

Everything You Need to Know About Non-QM

Self employed Non-QM Home loan Solutions

Non-QM home loans allow self-employed borrowers to use the traditional income and expense approach to qualify for a mortgage by providing proof of...

Everything You Need to Know About Non-QM

Private Mortgage Insurance for Jumbo Home Loans

The amount you’re borrowing may not be as important as the value of your home when it comes to PMI and Jumbo home loans. Learn more here.

Mortgage 101

The Different Types of Escrow Accounts

Here’s a rundown of the different types of escrow accounts, what they do and how they will be used in your purchase or refinance.

The Basics of Home Loans

The Ultimate Guide to VA Mortgages

VA loans offer great benefits, including no down payment and no PMI. Here's everything you need to know about VA mortgages.

Buyers Guide to Purchasing a Home

What is Loan to Value Ratio (LTV)?

LTV is a big part of the home loan process. Knowing what it means for you can help you find the right lender and get approved for your next home...

Everything You Need to Know About Non-QM

The Ability to Repay Rule

The Ability to Repay Rule is a regulation of the Dodd-Frank Act that was created to counteract predatory lending.

What Are Buydown Loans?

Buydowns are a way to lower the interest rate on a home loan. They're also called interest-rate buydowns, mortgage buydowns, and discounted...

Home Loan Refinancing

The Different Types of Home Loan Refinances

Refinancing your mortgage can be a great way to lower your monthly payment, but you have to know the differences between the most popular types of...

Everything You Need to Know About Non-QM

The Different Types of Non-QM Loan Products

There are many different types of Non-QM loans out there, so it’s important to know what you can expect from each one before signing on the dotted...

Everything You Need to Know About Non-QM

What are Asset Depletion Home Loans?

Asset depletion is a way to make home ownership more affordable by using liquid assets to qualify. Let's breakdown the specifics!

Everything You Need to Know About Non-QM

How to calculate Debt to Coverage Service Ratio

To find out about your DSCR, you'll need to know how much you pay for housing expenses, including principal, interest and insurance. Read more to...

Everything You Need to Know About Non-QM

Who Qualifies For Jumbo Loans?

Homebuyers who meet non-conforming loan guidelines might qualify for a jumbo mortgage. But to get one, you'll need to check your credit and look for...

Everything You Need to Know About Non-QM

What are Foreign National Home Loans?

The good news for foreign nationals looking to purchase real estate in the United States is that there’s an alternative to a U.S. mortgage—foreign...

Everything You Need to Know About Non-QM

What are the Pros and Cons of Hard Money Lending?

Keeping all your options open when it comes to financing is crucial to every business. Understanding everything about hard money lending, including...

Everything You Need to Know About Non-QM

What are DSCR Home Loans?

The DSCR is a measure of how well your company can repay its debt. If you're looking for financing, the DSCR is a good way to make sure your project...

Everything You Need to Know About Non-QM

How do Fix & Flip Home Loans Work?

If you're considering a fix and flip home loan, you may be wondering how it works. A fix and flip home loan can actually be a good alternative to...

Everything You Need to Know About Non-QM

How do Balloon Payments Work?

What is a Balloon Payment? A balloon payment is when you have to make a one-time payment on your loan before the maturity date. It may be due at the...

Everything You Need to Know About Non-QM

Can Jumbo Loans Be Refinanced?

Yes, you can refinance a jumbo mortgage. While it's true that jumbo loans are more expensive than conventional mortgages, there are many reasons why...

Everything You Need to Know About Non-QM

What Does Jumbo Loan Mean?

A Jumbo Non-QM loan can be the right choice if you’re looking to get a home loan and don’t feel like you qualify for a government program

Everything You Need to Know About Non-QM

How are Non-QM and Subprime Loans Different?

When considering a Non-QM home loan, it's important to understand the differences and history between subprime and non-QM before making your decision.

Everything You Need to Know About Non-QM

What is Hard Money Lending?

If you are looking to invest in real estate, but don't have access to conventional financing like traditional bank loans, hard money lending may be...

Everything You Need to Know About Non-QM

The Difference Between Non-QM and Qualified Loans

Your mortgage does not have to be complicated! If you are interested in non-QM or qualified mortgages, we can help you understand the different...

The Pros and Cons of Non-QM Mortgages

Because of the flexible terms, Non-QM loans are great options if you can't qualify for a traditional home loans. In this article, we will outline the...

Everything You Need to Know About Non-QM

The Requirements for Non-QM Mortgages

If you're looking for an alternative mortgage to the popular government-backed loans, a Non-QM loan might be right for you. Here, we'll discuss what...

Everything You Need to Know About Non-QM

The Different Types of Non-QM Mortgages

Mortgages can be fairly complex, but if you learn the basics, the process will go smoothly. The first place to start is to learn the different types...

Everything You Need to Know About Non-QM

What are Non-QM Mortgages?

Are you interested in purchasing a house, but still not sure if you qualify for a regular mortgage? Read below to find out the history of...

What is Underwriting?

Underwriting can be a complicated process—but it doesn’t have to be. Here's everything you need to know about underwriting.

Assets vs Income

Differentiating between your assets and your income is a critical step in building wealth.

Commercial Real Estate

Commercial Real Estate Refinancing

Commercial real estate refinancing can help you get the best deal on your loan. Lets break it down so that you can save!

Commercial Real Estate

Commercial Real Estate Investments

Commercial real estate can be a great investment option, especially if you’re looking for a stable income stream. Although, there are a couple...

Commercial Real Estate

The Commercial Loan Evaluation Process

Discover how the commercial loan evaluation process works and learn what the lender looks at when deciding whether to lend or not.

Commercial Real Estate

Types of Commercial Real Estate Lending

Commercial real estate lending is a complex mix of various types of loans, its important to understand your options before entering the world of...

Commercial Real Estate

What is Commercial Real Estate

Commercial real estate is a big part of your everyday life. Learn more about buying retail properties, office space, and industrial properties.

The Basics of Home Loans

The Requirements You Will Need to Buy a Home!

No matter how much money you have, there are certain things that you will need to purchase a home. Here are the essentials in buying a house.

Buyers Guide to Purchasing a Home

Buyers Guide to Purchasing a Home

Lets walk through all the steps between you and that dream home! Here's everything you need to know about the home buying process, from home loans to...

Buyers Guide to Purchasing a Home

Let's Start House Hunting!

Congratulations, you have started the house hunting process. Whether you have a real estate agent or not, these tips will help you out on your...

Buyers Guide to Purchasing a Home

How Much Can You Afford for a Home?

We know there's not just one answer to this question, but this will help guide you figure out how much you can afford for a home.

Buyers Guide to Purchasing a Home

Getting a Loan: From the Application to Closing

Let's talk about how we can get you a home loan. First, it is important to understand the loan. This article will walk you through the whole process.

Buyers Guide to Purchasing a Home

How to Find the Best Real Estate Agent

Finding your dream home or perfect investment property is not as hard as you think. Let's make it easy for you to find the best real estate agent...

Buyers Guide to Purchasing a Home

How to Make an Offer on a House

You’re a smart, savvy buyer. Are you also smart enough to know when it might be time to walk away? Here's how to make an offer on a house with...

Buyers Guide to Purchasing a Home

Home Inspections and Home Appraisals

It’s easy to get confused between a home inspection and a home appraisal. Here’s everything that you need to know about both of them.

The Basics of Home Loans

The Basics of Home Loans

Here's the inside scoop on home loans. From understanding down payments to finding the right lender, this quick guide will make you a pro in no time.

The Basics of Home Loans

The Loan Process Timeline

A step-by-step guide to the loan process. From signing up and filling out paperwork to getting approved, we're here to help you take the first step.

The Basics of Home Loans

The Home Loan Application Process

The home loan application process from start to finish. Follow along with our step-by-step guide to get your mortgage approval faster and easier...

The Basics of Home Loans

The Pros And Cons of Adjustable Rate Mortgages

With an adjustable rate mortgage, you may have to pay more in the beginning, and later on when your loan adjusts. Whether you're a borrower or a...

Mortgage 101

What is a mortgage interest rate?

Find out what exactly a mortgage interest rate is, how they're calculated, and what you should know before deciding on one.

Mortgage 101

What are discount points?

Although buying a home typically requires a sizable down payment, discount points can help to reduce the cost of a mortgage.

Mortgage 101

What is a down payment?

Understanding what a down payment is, how it affects your interest rate, and the different requirements will help you decide what is best when the...

Mortgage 101

What is PMI?

It is important to know if and when private mortgage insurance (PMI) is necessary once you decide to buy a home

Mortgage 101

Types of Mortgages

It is important to know of the numerous mortgage types that you can select from, that way when the time comes you can choose what is best for you.

Mortgage 101

What is a mortgage note?

A legal document which outlines the terms of a loan between the buyer and lender

Mortgage 101

What is an escrow account?

If you're in the midst of purchasing a home, you'll likely hear about escrow, which is an integral component of the home-buying process.

Mortgage 101

Preapproved vs Prequalified

Prequalification is the initial step, while preapproval takes it one step further in the process to help focus on mortgages you can afford.

Mortgage 101

What are closing costs?

Closing costs include a multitude of expenses on top of your property's purchase price.

Mortgage 101

How do mortgages work?

With the right approach, obtaining a mortgage can a be a smooth and painless process. This article will walk you through all of the basics.

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