How We Help
Just Because You Weren’t Approved At the Bank Or Another Lender Doesn’t Mean You Can’t Get A Mortgage!
We will have an initial meeting, call or emails which will give us a good handle on your situation.
We obtain the necessary documents and info needed to speak with lenders on your behalf.
We will present one or several mortgage solutions for you to choose from.
If You Are Having Trouble Qualifying For A Traditional Mortgage, We Can Help!
Not every situation is going to fit conventional bank guidelines. Luckily there are alternative and private lenders to help out until we can fix any issues and get you back on track.
Lending guidelines have become tougher and tougher over the last several years to a point where if you have a difficult life situation it is nearly impossible to get a mortgage with conventional lenders (The Big Banks). This is where alternative and private lenders come in to fill the gap
The first stop for someone who fits one of the above mentioned life scenarios will be alternative lenders who are still major bank lenders but have relaxed guidelines and creative programs. These rates can range from being just above regular bank rates to a couple percent above. These lenders are much easier to deal with for someone who needs a creative mortgage solution.
Not everyone will qualify at an alternative lender which is where private lenders come into the picture. Private lenders are businesses or individuals who have gathered significant funds to lend in tougher mortgage scenarios. They will be able to help clients who have equity in their home and don’t necessarily need income to qualify as long as it makes sense.