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Are you self-employed? And have been denied for a mortgage simply because you “didn’t show enough income” on your tax returns? You work hard—and you deserve to buy a home, just like everyone else. And yet, the sad fact is that many banks routinely deny home loans to perfectly well-qualified applicants, just because of your tax returns. If you’re...
Read MoreAttention real estate investors! Are you tired of the hassle and piles of paperwork associated with traditional bank loans or the high-interest rates of hard money loans? Look no further than our DSCR - Investor Cash Flow Mortgage Program! Unlike traditional loans, no tax returns or personal income are required, and there are no complex...
Read MoreNow that your divorce is finalized, here are a few tips that will help you get on top of financial matters so you can have a fresh start and peace of mind. It is difficult to overstate how important this is, but you should make it a habit of keeping digital copies of both your divorce decree and the marital settlement agreement (MSA) together...
Read MoreEach year, The Federal Housing Finance Administration (FHFA) convenes to discuss the status of growth of the Real estate market over the most recent year. And if sales prices have increased, then they make adjustments to the maximum loan amounts for Conventional mortgages. This is done to ensure that Conventional mortgage loan programs are...
Read MoreHave you considered buying a second house in Florida, but aren't quite ready to take that financial leap? Here is an idea that's perfect for first-time real estate investors: A PART TIME SECOND HOME. Using our PRIVATE CLIENT PORTFOLIO PROGRAM, you can finance the home as a PART-TIME SECOND HOME. Doing it this way, you get to use the property...
Read MoreIf you are a business owner in the Cannabis industry and have tried applying for a home loan, then you've probably already realize how frustrating it can be to get a mortgage. It seems nearly impossible. Despite the fact that you are operating a perfectly legal enterprise, traditional banks and lenders will not lend to anyone whose business...
Read MoreIf you are an eligible Veteran, and have experienced a recent bankruptcy, foreclosure, short sale or deed-in-lieu of foreclosure, you can obtain a new VA home loan after a period of time has elapsed. Waiting periods are based on TWO factors: 1) the type of prior housing event you experienced, and2) the type of loan program for the new home loan...
Read MoreHave you been working as an independent business owner for at least 2 years? Have you been denied for a conventional home loan by a bank or credit union because you are not "showing enough income on your tax returns"? This happens to entrepreneurs across the country. The reason has to do with how banks are forced to calculate your revenue using...
Read MoreDo you live on investments, or do you claim so little taxable income on your tax returns that most lenders will reject your application for a mortgage? It is frustrating, we know. You know that you have more than enough cash on hand to qualify and afford your mortgage, but the bank doesn't seem to get it. Sound
Read MoreCondos are hot here in Florida. But did you know, they can have special financing requirements? We’re about to cover everything you need to know about Condominium financing and what you need to know about qualifying for a mortgage for this type of home. Unlike a single-family home or multi-family home, a Condominium is a unique form of...
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