Unique Situations

Your situation is not a problem. It is just a different strategy.

I have helped buyers that other loan officers walked away from. There is usually a path.

Not everyone's financial picture fits a standard loan application and that is fine. I work with self-employed borrowers, buyers with recent credit events, non-traditional income, unique property types, and situations that most loan officers do not know how to navigate. If you have been told no somewhere else, let me take a look.

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Your path to homeownership

Tell me your situation honestly

The more I know upfront the better I can help. Nothing surprises me and nothing is automatically disqualifying.

I identify the right program for your picture

Whether it is a bank statement loan, asset depletion, or a non-QM product, I will find the program that fits how your finances actually work.

We document your file strategically

How you present your financial picture matters as much as what is in it. I will guide you through exactly what we need.

We get your approval in place

It may take a different path than a standard loan but we will get there.

I stay with you every step

Complex files require more communication, not less. You will always know where things stand.

Recommended programs

Loan programs that fit your situation

Self-Employed Loans

Bank statement and alternative income documentation programs for business owners and freelancers.

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FHA Loans

More flexible credit and income guidelines than conventional. A good starting point for many unique situations.

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VA Loans

If you have served, your VA benefit often has more flexibility than other programs.

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Construction Loans

Unique property types and builds often require a loan officer with construction knowledge. That is me.

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Not sure where to start?

Tell me about your situation and I will point you in the right direction. No pressure, no commitment. Just real answers.

Get Pre-Approved Call (253) 417-8790

Common questions

What buyers like you ask

I was denied by another lender. Can you still help?

Possibly. Different lenders have different overlays and programs. Tell me what happened and I will give you an honest assessment.

I am self-employed and my tax returns show very little income. Do I qualify?

Often yes. Bank statement programs use your actual deposits rather than taxable income which tells a much more accurate story.

I had a bankruptcy or foreclosure. How long do I have to wait?

It depends on the type and the program. FHA requires as little as 2 years after bankruptcy. Some non-QM programs have shorter waiting periods.

My income comes from multiple sources. Is that a problem?

Not at all. Multiple income streams just require thorough documentation. I will walk you through exactly what we need.

I want to buy a non-traditional property. Can you help?

Depends on the property type. Unique properties sometimes require portfolio or non-QM lending. Tell me what you are looking at and I will assess options.

What is a non-QM loan?

Non-qualified mortgage loans do not meet standard agency guidelines but are legitimate products designed for borrowers with complex financial pictures.