If you are self-employed and shopping for a mortgage, you have probably come across two very different worlds: conventional loans and Non-QM loans. On the surface, the choice sounds simple. But for business owners, freelancers, and independent contractors, the decision…
If you’re self-employed and a bank has told you that you don’t earn enough to qualify for a self-employed mortgage — despite running a profitable business with healthy cash flow — you are not alone. This is one of the…
Buying a home is one of the biggest financial decisions you will ever make. For many buyers, the hardest part is not qualifying for a loan. It is coming up with the cash at closing. Between the down payment, lender…
If you own a home in Florida and have been thinking about refinancing, the first question that probably comes to mind is a simple one. How much are the rates right now, and is it actually worth doing? It is…
If you have been a homeowner for a few years, someone has probably mentioned refinancing to you. Maybe a neighbour lowered their monthly payment, or your lender sent you an offer in the mail. But what does it actually mean…
Let me be straight with you; this is one of those questions where the “official” answer and the real answer are two very different things. Technically? You can list your house the day after you close on a refinance. Nobody’s…
Let’s be real, refinancing sounds simple until you’re knee-deep in paperwork you didn’t know existed. I’ve seen people walk into the process thinking it’s just signing a few forms, only to scramble at the last minute because they couldn’t find…
