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Qualified Home Loans

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BORROWER PORTAL

If you were denied a loan, let us give you a second opinion.

We will help you understand why you were denied and the best way to fix it so we can get you approved. Complete the form to schedule a call. 

We know the best options and programs available for your unique needs. Fill in your contact information to request a call.

By submitting your information, you are requesting a call back from one of our Loan Officers. However if  we cannot reach you, feel free to call us back at (888) 731-7860. We will work around your schedule and when you are ready to proceed with a phone conversation.

Complex Loan Experts

Our ever-expanding client base includes investors, aspiring and current homeowners looking to purchase or refinance and self-employed people. We specifically specialize in self-employed home loans. If we don’t see a path we’ll tell you why you can’t qualify and how to fix it.

Knowledge-Driven Loan Options

We know the rules and set up your loan application for success. We’ll know if we have a loan option within 30 minutes of receiving documents 

Talk to a Real Person 24/7

We work directly with you on your mortgage.  You will always talk to a real person and we make sure that you are personally cared for throughout the entire process.

We Will help you get approved

Let's start with a 5-10 minute conversation to understand how we can help you quickly get approved for your refinance:

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Case Studies

From fellow self-employed clients:

Case Study: Telecom Business

This client is part owner of two successful businesses.

SOLUTION
SOLUTION

Problem: Retired client with assets

A retired client has a classic problem: they have plenty of assets and equity, but since retiring they don’t demonstrate income to a lender’s liking sufficient to qualify for a loan. They wanted to buy a home for $900K with $400K and could have paid cash. However, they wanted to keep their funds in the accounts. 

Solution: 

After being turned down by 3 other lenders they came to us. We gave them an alternative option. By setting up an IRA Distribution from their asset accounts the client is able to use that as “stable and continuing income.” They needed to take one monthly draw and have 36 mos worth of funds available. Turns out that this client was already taking the distribution! The other lenders had missed it.

Case Study: Retired Client With Assets

A retired client with plenty of assets and equity.

SOLUTION
SOLUTION

Problem: Retired client with assets

A retired client has a classic problem: they have plenty of assets and equity, but since retiring they don’t demonstrate income to a lender’s liking sufficient to qualify for a loan. They wanted to buy a home for $900K with $400K and could have paid cash. However, they wanted to keep their funds in the accounts. 

Solution: 

After being turned down by 3 other lenders they came to us. We gave them an alternative option. By setting up an IRA Distribution from their asset accounts the client is able to use that as “stable and continuing income.” They needed to take one monthly draw and have 36 mos worth of funds available. Turns out that this client was already taking the distribution! The other lenders had missed it.

Case Study: Exciting New Job Opportunity

A younger client was doing well in his job. 

SOLUTION
SOLUTION

Problem: Exciting new job opportunity

A younger client was doing well in his job. He’d been promoted over the last few years and made a solid 6 figure salary. He easily qualified to be pre-approved for a $600K home with 5.0% down. Recently, he accepted a new position that paid more, had flexible hours, and allowed them to work remotely. All around win. However, it turns out they would not be an employee at all. They became an independent contractor with 1099 income. Since this is considered self-employment income and he had no history of being self-employed there are almost no loans that would be available to him. Overnight he went from an easy and golden loan client to an undoable situation. 

Solution:

Unfortunately, the client’s only source of income was invalidated for nearly all types of loans. We were able to brainstorm an option for them using his parents as coborrowers. By adding coborrowers, we were able to use their income to offset the lack of qualifying income from our client. Doing this gave him access to the same quality type of loan as he would have had before the transition.

Case Study: Low Self Employment Income

This client was self employed for a number of years.

SOLUTION
SOLUTION

Problem: Low Self Employment income on taxes

This client was self employed for a number of years. She made a habit of writing off as much as possible to limit her taxable income. On top of that, 2019 was a poor year for her as she took half of it off due to medical and family reasons. She wanted cash out to add an accessory unit on her home and consolidate obligations.

Solution:

File new taxes for 2020. Each set of tax returns represents a clean slate. We were able to identify that she could qualify for a program using only one year’s taxes. This means that her 2019 tax returns fall off and her income would be solely based on her 2020 taxes. Since 2020 was a much better year for her she went from having $1,500 qualifying income in 2019 to $118,000 in 2020. Getting the cash out refinance for her was life changing and made possible with a little bit of planning. 

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We believe we offer the absolute best way to buy a home or refinance with the best service. Read more of what our customers have to say...

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