Latest Articles
Your 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 Chicano191Asset 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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