Latest Articles
Your Loan Is in Underwriting. Now What?
Underwriting is where your mortgage file gets reviewed in detail. Here’s what the underwriter is actually checking, why conditions happen, and what borrowers can do to keep the loan moving.
Jennifer Chicano30Your Business Did $300,000 in Revenue. Why Isn't That Your Mortgage Income?
Business revenue and mortgage-qualifying income aren't the same thing. Ray Williams explains how lenders look beyond gross revenue to evaluate expenses, tax returns, K-1 income, distributions, current business performance and cash flow and why he evaluates traditional financing first
Ray Williams71The Asset Utilization Program
Borrowers with strong assets may qualify for a mortgage without using employment income.
Shea Sherman50Making $150K? Here’s What That Could Buy You in Denver.
Earning $150,000 a year? See what determines how much home you may be able to afford in Denver, including debts, down payment, rates, taxes and insurance.
Jennifer Chicano160Big Income. Small on Paper?
Self-employed and showing less income on your tax returns? Learn how alternative-documentation mortgage options may help Denver homebuyers qualify.
Jennifer Chicano100Self-Employed? Your Tax Return Could Shrink Your Buying Power.
Self-employed? See how lenders calculate your income when buying a Denver home.
Jennifer Chicano120Changed Jobs? Don’t Assume You Have to Wait to Buy.
A recent job change doesn’t automatically stop you from buying a Denver home. Here’s what lenders actually evaluate before approving a mortgage.
Jennifer Chicano201Asset Depletion Loans: Qualify With Savings, Not Income
High savings can replace traditional income in mortgage qualifying. Learn how the asset depletion formula converts liquid wealth into the monthly income…
Mike Rogers110
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