Explore our latest insights and expert advice on self-employed / non-qm.
Your investment portfolio shows $2.3 million, but your tax returns tell a different story. Welcome to the asset qualifier loan, where lenders evaluate your borrowing capacity based on what you own rather than what you earn on paper.
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Your path to homeownership in Ohio doesn't end because your tax returns show minimal income after write-offs. Bank statement loans use your actual cash flow to qualify you, but the requirements differ significantly from conventional mortgages.
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Several Grand Rapids self-employed profiles come up repeatedly in our work:
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Here is the core problem with going directly to a retail non-QM lender: you are stuck with whatever that one lender can offer. If Griffin Funding's bank statement guidelines do not fit your income pattern, you have to start over with another lender. If CrossCountry's non-QM menu
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Getting organized before you apply can dramatically speed up the process and reduce back-and-forth with underwriters. Here is what to have ready:
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If a meaningful portion of your income runs through freelance platforms, there are a few things worth knowing before you apply for a mortgage.
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