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Everything I've written, sorted by what you're trying to do.
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Buying
Pre-approval, down payments, credit, and what happens between offer and keys.
- ConventionalStandard financing for a primary, second home, or investment property.
- FHAGovernment-backed, with flexible credit guidelines.
Refinance
When a refinance pays off, and how to run the break-even.
- ConventionalStandard financing for a primary, second home, or investment property.
- VAFor veterans and active-duty service members.
Home Equity
How HELOCs, home equity loans, and equity agreements compare.
- HELOC / HELOANTap your equity and keep your current mortgage.
- HEA / HEIAccess equity with no monthly payments and no new loan.
Self-Employed and Non-QM
Qualifying on bank statements, a P&L, or assets instead of tax returns.
- Non-QMFlexible qualifying: P&L, bank statements, assets, or 1099s.
- DSCR / Investor loansRentals and investment properties, qualified on the property.
Investor
Rentals, house hacking, and financing a deal on the property's numbers.
- DSCR / Investor loansRentals and investment properties, qualified on the property.
- CommercialFinancing for commercial and mixed-use property.