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Scenarios I Handle
Every file is different. That's the point.
I handle every type of mortgage, but the files I built this business on are the ones other lenders couldn't figure out. If your situation is straightforward, I'll close it fast. If it's complicated, even better.
01
First-Time Home Buyers
Overwhelmed by conflicting advice and don't know what you can actually afford. I walk you through everything from pre-approval to keys in plain English.
02
Self-Employed & Business Owners
Your business does well but your tax returns don't show it. Most lenders panic at your Schedule C or K-1. I know how to read the real story and prove your actual income.
03
Refinancing or Restructuring
Rate reduction, cash-out, removing a borrower, dropping PMI, debt consolidation, changing property use. I run every scenario against your current loan and tell you which one works.
04
Multiple Income Streams
1099s, an LLC, rental income, maybe an old W-2. Most lenders see this and close the file. I add it all up and match you with the lender whose method fits your file.
05
Investor Scaling a Portfolio
Your Schedule E shows losses that aren't real losses and lenders keep saying no. I know how to read it properly and help you keep acquiring.
06
Recently Changed Jobs or Employment Gaps
New role, industry switch, or gap on your resume. Most lenders default to no. I figure out which ones say yes and under what conditions.
07
Credit Score on the Edge
You're close but not quite there. I run a rapid rescore simulation and tell you exactly what to fix. I've gotten borrowers mortgage-ready in days.
08
Gift Funds or Hard-to-Source Assets
Gift money, crypto gains, unusual deposits. Every dollar at closing needs a paper trail. I know the sourcing requirements and tell you how to document it before it becomes a problem.
09
Divorced, Separated, or Buying Off a Co-Borrower
Refinancing an ex off the mortgage, buying post-divorce, or dealing with court orders your lender can't read. I handle these regularly and know how all of it works.
10
Tight Timeline, Nobody Else Can Close
Your lender fell apart or the seller wants to close yesterday. My fastest clear-to-close was 4 days. I move fast because I'm the only person touching your file.
11
Complex Income
K-1s, RSUs, commission, bonuses. Your income is real but doesn't fit in a box. I match you with the lender whose method fits your file.
12
Credit Rebuilds & Past Events
Bankruptcy, foreclosure, short sale, or rough credit history. I know the waiting periods for every program. If you're past yours, I can get you into a loan.
Don't see your situation? Call me anyway. I've probably handled it.
Send Me Your Scenario →