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Your Questions Matter — We’re Here With Answers
Credit, Income & Employment
Got questions about home loans, mortgage options, or the application process?
Minimums vary by program (often 580–620+). Higher scores unlock better pricing and more options. Special Exceptions may be considered for a score as low as 500
Multiple mortgage inquiries within a short window generally count as one. Typically Rate‑shopping is encouraged, especially with large Corporate Lenders. Loan Brokers like us do the rate shopping for you using 100+ different lender wholesale rate sheets.
Base pay is straightforward; bonuses/OT require history and stability. We average as guidelines allow.
Typically a 1–2 year average of net business income with eligible add‑backs; alternative documentation options may apply.
Example: 1099, 12/ 24Bank Statement, Asset Utilization, P&L, WVOE, No Income/ Employment Ratios, Reverse, etc
Yes, with reasonable explanations and evidence of stability in your current role/field.
We total monthly debts on your credit plus the new housing payment and divide by gross income. Different programs have different caps.
Not necessarily. We’ll advise whether to resolve, settle, or document depending on program rules.
Yes! Occupant or non‑occupant co‑borrowers can help, subject to program limits.
