Services
Some files need more than a checklist.
A complicated financial life doesn’t automatically make for a bad mortgage file.
- Sometimes the income is coming through a business instead of a paycheck.
- Sometimes there’s a real-estate portfolio involved.
- Sometimes the assets are strong but the documentation isn’t traditional.
- Sometimes credit needs time.
- Sometimes the structure needs to change.
- And sometimes the answer really is no.
My job is to figure out which one we’re dealing with.
I work through the complete picture before deciding what may fit, what it would require, where the friction points are, and whether moving forward actually makes sense.
That can include non-QM financing, bank-statement programs, DSCR and investment-property financing, asset-based solutions, second homes, and other scenarios that don’t always fit neatly inside conventional lending.
Currently originating non-QM financing for investment and second-home properties.
No magic tricks.No promised approvals.No pretending every file has an immediate solution.
Just a thoughtful look at what you have and an honest conversation about what may come next.
I read the whole file, not just a tax return.
Not only the complicated files
Complexity isn’t the point. Understanding the entire transaction is.
I’ve seen mortgages at scale, and I’ve learned to slow down when an individual file requires it.
The experience underneath
- Traditional lending
- High-volume production
- Builder lending
- Thousands of closings
- First-time buyers
- Mortgage education
- Consumer understanding
- Transaction management
- Professional collaboration
Currently originating non-QM financing for investment and second-home properties. More programs coming pending state approvals. This site will announce updates as they are approved.
Programs
Here are possibilities.
Let’s determine whether one actually fits.
Business owners and the self-employed
Bank statement
Twelve or twenty-four months of deposits, read as what they are.
How it works: Bank statementSelf-employed & 1099
Schedule C income understood instead of penalized.
How it works: Self-employed & 1099
Asset-based solutions
Asset depletion
The portfolio does the qualifying. You keep the positions.
How it works: Asset depletion
DSCR and investment-property financing
DSCR
The property’s own cashflow carries the file.
How it works: DSCR
Scenarios that don’t always fit neatly inside conventional lending
Jumbo
Large balances that need structuring, not sorting.
How it works: JumboForeign national & ITIN
No Social Security number, still a real borrower.
How it works: Foreign national & ITIN
Currently originating non-QM financing for investment and second-home properties. Program availability depends on credit approval, underwriting, and property eligibility. Nothing here is an offer of terms.
The full program guideAfter a no
A declined file usually isn’t a bad file.
“Usually” matters.
Some files genuinely aren’t ready.
Sometimes the issue is:
- timing,
- documentation,
- structure,
- seasoning,
- the wrong program,
- or the wrong box.
Sometimes the answer is no.
Sometimes it’s not yet.
Sometimes there is a legitimate alternative structure.
The point is that a no can sometimes be the beginning of the investigation rather than automatically the end.
Builder + new construction
New construction isn’t simply a purchase with a longer closing date.
Builder transactions often involve additional timelines, contract details, incentives, appraisal considerations, rate-lock decisions, amendments, completion schedules, and coordination among the buyer, builder, lender, Realtor, title/closing professionals, and other parties.
I’ve spent years working around builder business and have helped see thousands of mortgage transactions through closing.
That experience matters because builder files benefit from someone who understands not only whether the borrower qualifies, but how the financing fits into the larger transaction—and what needs attention before a small issue becomes a closing-day problem.
Currently originating non-QM financing for investment and second-home properties. More programs coming pending state approvals. This site will announce updates as they are approved.
Building or buying new construction?
Let’s talk through the financing.On the builder side? For Builders
The full process
From the first conversation to closing, and after.
- ConversationTell me what you’re trying to do. No documents, no credit pull.
- AnalysisI read the whole file and tell you what I see.
- StructureWhat may fit, what it would require, and whether moving forward makes sense.
- Application / ApprovalIf you decide to go ahead, you apply. I explain what underwriting asks for, and why.
- ContractI coordinate the dates, the appraisal, and everyone else working toward the same closing.
- ClosingYou know what you’re signing, and why, before you sign it.
- AfterQuestions don’t end at closing. You can still call me.
Nothing formal starts unless you want it to.