Скачать или смотреть 3 Alternative Home Loan Options

Ready to OWN your dream home? Discover 3 game-changing loan options you NEVER knew existed! Don’t wait—call (651) 552-3681 NOW or apply at JoeMetzler.com to make it happen TODAY!

I'm Joe Metzler, Senior Loan Officer at Cambria mortgage. Today we are diving into mortgage loan options you may not have heard about. or been thinking about. These loans are helping real buyers close on homes they love everyday. The first category is for if you are self employed, or paid as a 1099 contract worker. We are talking today about Non-QM, or non-qualified loans. This really just means not a traditional loan. For self-employed, traditional loan qualifying rules often don't tell the true story on your income. That can be frustrating, because as a self employed borrower, you know you can afford the home, but you tax returns may say otherwise. This is exactly where Non-QM loans fit. These loans let us qualify you asking for more flexible methods, like using bank statement deposits for income, either 12 months or 24 months of business or personal statement deposits. There are even P&L loans, so just needing a profit and loss statement to income qualify. So if you are friends with your accountant of CPA, and most self employed people are, you can qualify with just a signed P&L by your accountant. The next category is what about you baby boomers, sitting on a ton of assets, but collecting only social security? We have a very cool asset depletion loan, where you qualify using simply the savings and assets you have as qualifying income. The last loan option today is our no income proof for investors. You qualify for these loans simply based on the rent, not your income. These are known as DSCR loans. A great loan for investors that want to build generational wealth by adding more and more properties to their portfolio. The best part of all three of these loans? No tax returns, W2's or pay stubs needed. So if you are self employed, a 1099 gig worker, retired, or looking to buy rental properties, one of these could be the perfect opportunity for you to become a home owner. Don't let the bank tell you that you can't buy a home. Call us here at Cambria Mortgage. Let's talk your scenarios and see what makes sense for you.
I'm Joe Metzler with Cambria Mortgage. Here to help you finance smarter, and more forward with your dream home. Reach out anytime.

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