FHA Stated‑Income Loan for the Self‑Employed

Only 3.5% Down — Use Your REAL Income to Qualify Are you self‑employed but don’t declare all of your income on your tax returns? This loan program was built for you. With this FHA‑based stated‑income option, YOU prepare your own Profit & Loss and declare your actual income — not the reduced number on your tax returns. Program Highlights Only […]

Non-QM Loans Available with Credit Scores as Low as 500

Most lenders require a 620+ credit score for Non-QM financing because they rely on automated approval systems. But Non-QM (Non-Qualified Mortgage) programs were designed for borrowers with alternative income situations — like self-employed individuals or those without W-2s — and can help you qualify even with lower credit.   📜 What Are Non-QM Loans? Non-QM (Non-Qualified Mortgage) loans were created […]

Alternative Income mortgages are BACK.

It has been many years but alternative income loans are BACK. This loan is for a self-employed person who does not show all of their income on a tax return. If you are buying or refinancing a home and you are self employed this is the perfect mortgage for you. You can get this loan on your primary, second home […]

Jumbo Stated income loans are BACK.

It has been many years but stated income loans are BACK. A stated income loan is for a self-employed person who does not show all of their income on a tax return. If you are buying or refinancing a home in Illinois with a jumbo mortgage on it and are self employed this is the perfect mortgage for you. You […]