Frequently Asked Questions
Mortgage questions, answered.
Straight answers on non-QM lending, government loans, down payment help and getting approved when a bank said no.
The basics
General questions
What is a non-QM loan?
“Non-QM” means a loan that doesn’t fit the government’s Qualified Mortgage template. It is not subprime — it’s a set of legitimate programs that qualify real borrowers on real income. See all loan programs.
I was denied by a bank — can you still help?
Very often, yes. A bank “no” usually means your file didn’t fit an automated box, not that you can’t afford the home. Structuring the hard files is my specialty. Tell me your scenario.
What states are you licensed in?
I’m licensed in Colorado, California, Georgia and Texas (NMLS #1352284).
Can I get a mortgage if I’m self-employed?
Absolutely. With bank statement loans, 1099 income loans and P&L only loans, we qualify you on the income you actually earn — not just your tax return.
Loan programs
About the loans
What is a bank statement loan?
It qualifies you using 12–24 months of bank deposits instead of tax returns — ideal for the self-employed. Learn more.
What is a DSCR loan?
A DSCR loan qualifies an investment property on its own rental cash flow — no personal income docs. Learn more.
Do you offer FHA, VA and USDA loans?
Yes — the full government suite: FHA (3.5% down), VA (0% down), and USDA (0% down for eligible areas), plus conventional.
Do you really waive lender fees on VA loans?
Yes. As my thank-you for your service, I waive my lender fees on every VA loan I originate.
Can I get a loan with an ITIN and no SSN?
Yes — ITIN loans let you buy a home or investment property using your ITIN. And foreign national loans finance U.S. property for non-residents.
Buyers & programs
First-time buyers, heroes & creators
How much do I need for a down payment?
Less than you think — often 3% (conventional), 3.5% (FHA), or 0% (VA/USDA). And with assistance programs, your minimum can sometimes be covered entirely. First-time buyers.
What is down payment assistance?
Grants and assistance programs that supply funds for your down payment — sometimes as money you never repay. I match you to the right one. Learn more.
What is the Homes to Heroes program?
A 1% lender credit toward closing costs for eligible first responders and teachers — my way of giving back. Learn more.
Can I get a mortgage with OnlyFans or social media income?
Yes — discreetly. Using bank-statement and 1099 programs, I turn creator income into an approval. For creators & influencers.
Still have a question?
There’s no scenario I haven’t seen. Call (303) 557-3846 or send a private message.