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Latest Articles
Your K-1 Shows Income. Why Won't the Mortgage Lender Count It?
A K-1 may report substantial business earnings without showing the same amount of cash received by its owner. Ray Williams explains how mortgage lenders evaluate distributions, liquidity, ownership, W-2 income, and business losses before determining qualifying income.
Ray Williams30I Own an S Corporation. What Income Can a Mortgage Lender Actually Use?
S-corporation owners often receive both W-2 wages and K-1 income, but mortgage lenders do not necessarily count both in the same way.
Ray Williams10Mortgage Options for Business Owners With K-1 Income
Mortgage lenders don't simply count the number on your K-1. Learn how underwriting evaluates distributions, business liquidity, and cash flow to qualify…
Corey Weber10How Mortgage Lenders Analyze Complex Tax Returns
Your tax return's taxable income is rarely the same as your qualifying mortgage income.
Corey Weber20Why Jumbo Mortgage Guidelines Differ Between Lenders
Two lenders can look at the same borrower and calculate jumbo income differently.
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