Do you want to purchase a home but don't have the down payment and can't prove your income? This would normally be a big problem while applying for a loan. Not with us!

As long as your credit is in good shape, we can provide financing for up to 100% of the purchase price!

Do you need cash to consolidate some bills or to do some home improvements, but can't qualify because of your income? No problem! We can lend you up to 100% of the value of your home without any income documentation!

Lenders realize that not everyone has stable, consistent income. Additionally, as the tax laws provide, smart business owners can take advantage of tax-deferred and tax-sheltered investments. (For instance, rental property.) This will significantly affect their income. But these individuals can afford homes, and lenders have created special programs just for them.

You might, if you’re self employed, a stock market investor, own more than one real estate investment, have inconsistent earnings, are retired, or were unemployed for more than two months in the last two years.

Yes, since the lender doesn’t really know what you make, there is a greater risk. For that risk, they want cleaner than usual credit, and they often want to see 2 to 6 months of your mortgage payment in reserves. (IE, if your new payment is $2000, they may want to see $4000 - $12,000 in checking, savings accounts, etc. depending on the program.) Programs also available for "no reserves" situations.

Yes, no beating around the bush. Due to the increased risk, every lender will have add-ons for the EZ-Qualifier loans. The object – Get the best base rate program with the smallest add on!! That’s where we can help. We have our over 50 "EZ-Qual" loan programs.