Client Profile: Names: Greg & Alana Ages: 39 & 36 Occupations: Chef and operations director Goal: Close quickly on a home before their lease expired Location: Columbus, OH The Situation Greg and Alana found the
Client Profile Name: Julian M. Age: 19 School: Arizona State University Major: Finance Purchase Price: $310,000 Property Type: 3-bed duplex near campus Loan Type: FHA First-Time Buyer (3.5% down) Co-Borrower: Parent (non-occupant co-signer) Credit Score: 701 The Challenge Julian
Client Profile Name: Marcus D. Age: 26 Location: San Antonio, TX Profession: Public school teacher Income: $52,000/year Credit Score: 645 Home Price: $255,000 Loan Type: FHA 30-Year Fixed Down Payment: 3.5% ($8,925) The Challenge Marcus was paying $1,650/month in
Client Profile: Name: Natalie Age: 32 Occupation: Registered nurse Goal: Buy a home she could grow with financially Location: Portland, OR The Situation Natalie was approved for up to $525,000 and was initially shopping for
Client Profile: Names: David & Carla Lopez Ages: 36 & 34 Occupations: Delivery driver & part-time receptionist Goal: Break the renting cycle and create generational wealth Location: San Bernardino, CA The Situation David and Carla
Client Profile: Name: James Age: 38 Occupation (Then): Corporate project manager Goal: Build a real estate income stream big enough to replace his W-2 job Location: Indianapolis, IN The Situation James had owned a beautiful
Client Profile: Name: Jason Age: 29 Occupation: Web developer (remote) Goal: Buy a home without feeling “house poor” Location: Denver, CO The Situation Jason was approved for a mortgage of up to $525,000. He originally
Client Profile: Name: Amanda Age: 33 Occupation: HR coordinator Goal: Stop paying rent and buy a condo near her office Location: Raleigh, NC The Situation Amanda had been renting a one-bedroom apartment for $1,780/month for
Client Profile Names: Brian & Elise T. Ages: 45 & 42 Professions: Software Engineer & Interior Designer Location: Bozeman, MT Land Cost: $130,000 Construction Budget: $620,000 Loan Type: One-Time Close Construction Loan Down Payment: 10% of total project
Client Profile Name: José R. Age: 38 Country of Origin: Mexico Location: Bakersfield, CA Profession: Restaurant Owner (sole proprietor) Purchase Price: $312,000 Loan Type: ITIN Mortgage Down Payment: 20% U.S. Credit: None ITIN Provided: Yes The Challenge José had lived
Client Profile Names: Thomas & Kateri Y. Ages: 43 & 40 Tribal Affiliation: Choctaw Nation Location: Tulsa, OK Home Type: 4-bed single-family Purchase Price: $289,000 Loan Type: HUD Section 184 Down Payment: 2.25% Credit Scores: 689 & 675 The
Client Profile Names: Kevin & Priya M. Ages: 40 & 38 Professions: Bartender (W-2 + tips) & Freelance Photographer (1099) Location: Austin, TX Home Type: 4-bed suburban home Purchase Price: $426,000 Loan Type: Flexible Income Mortgage (W-2
Alternative Income Mortgage Case Study: Fort Lauderdale, FL Alternative Income Mortgage options can help self-employed buyers qualify without traditional W-2s. Here’s how Liam (freelance videographer) and Vanessa (Etsy shop owner)
Client Profile Name: Jordan K. Age: 39 Profession: Marketing Consultant (Self-Employed, 7 years) Location: Dallas, TX Home Type: Modern 3-bed home in an up-and-coming neighborhood Purchase Price: $495,000 Loan Type: 12-Month Bank Statement Loan Down Payment: 15% Credit
Client Profile Names: Brandon & Kayla H. Ages: 32 & 29 Location: Murfreesboro, TN Profession(s): HVAC Technician & Preschool Teacher Home Type: 3-bed single-family in a USDA-eligible suburb Purchase Price: $276,000 Loan Type: USDA 30-Year Fixed Down
Client Profile Name: Ryan S. Age: 29 Location: Cleveland, OH Profession: Civil Engineer Home Type: 2-bed starter home Purchase Price: $192,000 Renovation Budget: $28,000 Loan Type: FHA 203k Streamline Down Payment: 3.5% of combined amount Credit Score: 652 The Challenge
Client Profile Names: Trevor & Hannah B. Ages: 33 & 31 Location: Portland, OR Home Type: 1960s Mid-Century Ranch Purchase Price: $435,000 Renovation Budget: $75,000 Loan Type: Fannie Mae HomeStyle Renovation Loan Down Payment: 5% Credit Scores: 712 &
Client Profile Name: Jason T. Age: 35 Service: U.S. Navy Veteran (6 years active duty) Location: Jacksonville, FL Home Type: 4-bed single-family home Purchase Price: $375,000 Loan Type: VA 30-Year Fixed Down Payment: $0 Credit Score: 702 The Challenge
Client Profile Name: Lauren P. Age: 31 Location: Kansas City, MO Home Type: 1940s Bungalow Purchase Price: $210,000 Renovation Budget: $42,000 Loan Type: FHA 203k Standard Down Payment: 3.5% of combined total Credit Score: 686 The Challenge Lauren was
Client Profile Name: Emily R. Age: 28 Profession: Graphic Designer Location: Raleigh, NC Income: $68,000/year Credit Score: 720 Loan Type: Conventional 97 (First-Time Buyer Program) Down Payment: 3% ($8,700 on a $290,000 purchase) The Challenge Emily had a
Client Profile: Name: Marcus Age: 39 Occupation: Union electrician Goal: Buy a home for his family of four Location: Sacramento, CA The Situation Marcus had been renting for 14 years. When he finally called us,
Client Profile: Names: Jordan & Briana (first-time buyers) Ages: 28 & 27 Occupations: Teacher and IT support specialist Goal: Stop renting and “start building something” Location: Jacksonville, FL The Situation In 2020, Jordan and Briana
Thinking About Buying a Home? Start with a Conventional Loan. For most homebuyers—especially those with good credit and stable income—conventional loans are the #1 choice. Backed by private lenders (not
A Little Work Can Go a Long Way—And This Loan Makes It Easy. Buying a home that needs a few updates? Or already own one and want to make some
No Doc Mortgages: When You Need Privacy and Speed Some borrowers have high income and plenty of assets—but still don’t want to provide full documentation. Whether it’s for privacy, speed,
Client Profile Name: Alina D. Age: 29 Profession: Elementary School Teacher Location: Greenville, SC Land Price: $72,000 Construction Budget: $295,000 Loan Type: FHA One-Time Close Construction Loan Down Payment: 3.5% Credit Score: 674 The Challenge Alina dreamed of building
Client Profile Names: James & Marissa K. Ages: 39 & 36 Service: U.S. Army Veteran (8 years active duty) Location: Colorado Springs, CO Land Price: Gifted family lot Build Budget: $480,000 Loan Type: VA One-Time Close Construction
Client Profile Name: Camila B. Age: 45 Nationality: Brazilian (São Paulo-based architect) Location of Property: Miami, FL Property Type: Luxury condo in Brickell Original Purchase Price: $685,000 Appraised Value at Refi: $880,000 Cash-Out Amount: $120,000 Loan Type: Foreign National
Client Profile Names: Robert & Elaine T. Ages: 67 & 65 Professions: Semi-Retired Business Owner & Former Art Gallery Director Location: Santa Barbara, CA Home Value: $1.35M Original Loan Balance: $685,000 Cash-Out Refinance Amount: $150,000 Loan Type: Asset
Client Profile Name: Eli J. Age: 47 Tribal Affiliation: Oglala Sioux Tribe Location: Rapid City, SD Profession: County Utility Supervisor Original Home Value: $238,000 New Appraised Value: $276,000 Loan Type: HUD Section 184 Refinance Loan Purpose: Rate reduction +
Client Profile Name: Michelle L. Age: 44 Profession: Business Consultant & Entrepreneur Location: Scottsdale, AZ Home Type: 5-bed luxury single-family home Purchase Price: $1,200,000 Loan Type: Bank Statement Jumbo Loan Down Payment: 20% ($240,000) Credit Score: 728 The Challenge
Client Profile Names: Jasmine & Tyler B. Ages: 34 & 36 Location: Denver, CO Home Type: 3-bed single-family home Original Loan: FHA at 4.75% with monthly PMI New Loan: Conventional 30-Year Fixed at 5.375% Equity at
Client Profile Name: Carlos M. Age: 41 Service: U.S. Marine Corps, Retired Location: San Diego, CA Original VA Loan Rate: 5.875% New IRRRL Rate: 4.25% Loan Balance: $312,000 Monthly Savings: $286 Credit Score: 695 The Challenge Carlos had bought
Client Profile Names: Devin & Alyssa H. Ages: 38 & 36 Location: Sacramento, CA Original FHA Loan Rate: 5.25% New FHA Streamline Rate: 3.875% Loan Balance: $285,000 Monthly Savings: $273 Credit Score: 662 The Challenge Devin and Alyssa
Client Profile Names: Jasmine & Tyler B. Ages: 34 & 36 Location: Denver, CO Home Type: 3-bed single-family Original Loan: FHA (4.25% rate, with PMI) Loan Type After Refi: Conventional 30-Year Fixed New Rate: 3.25% (No PMI)
Client Profile: Name: Darnell Age: 41 Occupation: Middle school principal Goal: Use equity from his first home to buy a rental Location: Charlotte, NC The Situation Darnell purchased his first home 6 years ago for
Client Profile: Name: Lisa Age: 46 Occupation: Interior designer (self-employed) Goal: Eliminate high-interest credit card debt and fund a small renovation Location: Tampa, FL The Situation Lisa owned her home for 7 years and had
Want a Lower Payment or Quick Cash-Out? A Refinance Might Be Your Answer. A conventional refinance loan is one of the smartest moves homeowners can make—especially if rates have dropped, you’ve built
Your Home Equity Could Be the Most Affordable Cash You Ever Access. If you’ve owned your home for a few years, chances are you’ve built some serious equity—especially with rising
You Earned the Equity—Now Put It to Work. For eligible veterans and active-duty service members, a VA cash-out refinance offers a powerful way to tap into your home equity—with no PMI, competitive
You’ve Built Equity—Now Let’s Help You Access It (Even Without Traditional Proof of Income). If you’re self-employed, on commission, or earning variable income from contracts or bonuses, you may feel
You Already Own a Home—Now Let’s Help You Make It Work Even Better. If you’re a Native American or Alaska Native homeowner, you may qualify for a Section 184 Refinance Loan—a
Client Profile Name: Cynthia H. Age: 64 Profession: Retired Pharmaceutical Executive Location: Naples, FL Home Type: Luxury waterfront condo Purchase Price: $935,000 Loan Type: Asset-Based Mortgage Down Payment: 30% Credit Score: 739 The Challenge Cynthia had ample savings and