Start with the financial situation, not the product name.
These are the areas where I spend the most time analyzing files. Each guide explains who the option may fit, how qualification works, what documents matter and when another route may be stronger.
Self-Employed Mortgage Loans
A hub for bank statements, 1099, P&L, Schedule C, S-Corp, K-1 and alternative qualification.
Explore self-employed →Asset Depletion
For eligible borrowers who may be able to use qualifying assets to support mortgage income rather than relying only on traditional employment income.
Explore asset depletion →Investor / DSCR
Property-cash-flow qualification, DSCR calculations, conventional comparisons, LLC considerations and refinance strategy.
Explore investor financing →Complex / Rescue
For loans that were denied, stalled or poorly structured. Diagnose the actual failure point before searching for a solution.
Explore complex files →Alternative / Non-QM
Bank statement, asset-based, investor and other alternative methods for borrowers who do not fit traditional documentation.
Explore Non-QM →Jumbo
Higher loan amounts, liquidity, reserves, complex income and self-employed jumbo considerations on one page.
Explore jumbo →Physician & Medical Professional
Medical-career financing, student-loan considerations, employment contracts and available professional mortgage structures.
Explore physician loans →Construction & New Build
Conventional and jumbo two-time-close construction plus FHA and VA one-time-close construction financing.
Explore construction →VA
Entitlement, no-down-payment potential, PCS situations, funding fee considerations, new construction and VA comparisons.
Explore VA →Not sure which category fits?
You do not need to choose the loan yourself. Send me the property, income structure and anything unusual about the file, and I will identify the routes worth reviewing.