About Altervtive-Doc Loans

Traditionally self-employed borrowers have had a hard time securing financing due to the way the tax code is set up in the United States. The challenge is around how self-employed income is calculated by Fannie Mae and Freddie Mac. I am pleased to announce we now have a solution to this. In the industry, we call these non-QM, as they are not sold to the same investors as a traditional mortgage. This means guidelines build around self-employed borrowers. Welcome home!

The Non-QM Mortgage Loan Process

Here’s how our home loan process works:

• We will calculate your income using either bank-statements or 1099’s!
• No tax documents are required, we apply an expense ratio to the income, rather than what you write off.
• Follow your CPA’s advice for savings AND qualify for a mortgage!
• Choose the offer that best fits your needs.
• Fixed-rate and Adjustable-rate options are available.
• Owner-Occupant and Investor properties are okay!

For self-employed borrowers, securing financing has been a challenge that can take years of costly preparation and thousands in unnecessary taxes. This is unfair, in our opinion, as everyone deserves a shot at the American dream.