If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution.  These are available for primary residence and 2nd homes, and can be done on a purchase or refinance.  This loan option is for well qualified borrowers with […]

E044: Getting approved for a No Income Verification Mortgage Loan

Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner.  Tyler’s story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals.  There are so many ways to start investing in rental property for […]

E043: Buying your first investment property with little out of pocket up front

Business owners and 1099 private contractors – Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required.  Your income is calculated based on 12 month deposits.  Here is everything you need […]

E042: 12 Month Bank Statement Mortgage for Self Employed

Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uI

E041: How to get a VA Loan with Low Credit Score

How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income.  The approval is done based on property cash flow, not personal income.  You still need to meet credit and asset requirements, but the process […]

E040: DSCR Loan Program for real estate investors

Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today’s market. Important links below USDA Income Limits: https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state Property Location Eligibility: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp Reach out to connect with a USDA Construction Lender: https://balanceprocess.com/contact

E039: USDA Construction Loan Requirements and How to Get Approved

Reduce documentation and confusion by getting a mortgage without tax returns.  It’s extremely common for lenders to ask for tax returns by default, even if they are not needed.  Today I cover everything you need to know about how to get approved for a home purchase or refinance without providing tax returns.  This is available […]

E038: No Tax Return Mortgage | How to Get Approved

Here are 3 ways to get approved with credit score in the 500’s. Link to everything I covered here: https://balanceprocess.com/cash-out-refinance-500-credit-score/ Be sure to subscribe to Mortgage by Adam on YouTube

E037: Cash Out Refinance with a 500 Credit Score

Effective 9/18/2021 borrowers/co-borrowers will be able to use a combined average of their scores on Desktop Underwriter (DU). Let me know your thoughts on this: adam@balanceprocess.com

E036: Update – Credit Score Eligibility in DU

Tody we cover everything you need to know about getting approved for the FHA W2 Only Program. Here is the link to everythign I covered: https://balanceprocess.com/fha-w2-only-program/

E035: FHA W2 Only Program – How to Qualify

Today we cover the 3 ways to refinance your home without getting an appraisal. Learn more on everythign I covered here: https://www.balanceprocess.com/refinance-mortgage-without-appraisal/ Check out and subscribe to the YouTube Channel: Portfolio Loan Mortgage Guide

E034: How to Refinance Mortgage Without an Appraisal

If you’re a small business owner, and have been told you don’t qualify for a mortgage because of your tax deductions, this episode covers everything you need to know on how to get approved to purchase or refinance a home. We cover everything on getting approved for bank statement mortgage and profit and loss mortgage […]

E033: Top Alternative Mortgage for Small Business Owner

The stimulus checks are trickling in, but for many people that will not be enough to survive as the economy remains on pause. Today I cover my persective on what is happening in the mortgage world during this pandemic, what needs to happen to recover, and what products are still available today. References and links […]

E032: Mortgage on Quarantine | What is happening?

Most lenders aren’t a huge fan of considering a refinance on a short term rental. The potential risk of not having a long term lease on the property makes them nervous. Now investors can get approved to refinance if they can show 12 months history to support that their short term rental out performs long […]

E031: AirBnB Refinance – Short Term Rental Refi for Investors

Happy to share with you some interesting tips on how to successfully complete a cash out refinance on a land contract. Here is a link to everything that I covered: https://www.balanceprocess.com/cash-out-refinance-land-contract/

E030: Land Contract Cash Out Refinance – How To

Everything you need to know about getting approved for a mortgage with 580 credit score on FHA, VA, and non-QM mortgage. Home purchase, refinance, and cash out refinance. Here is the link to everything I covered: https://www.balanceprocess.com/mortgage-with-580-credit-score/

E029: Mortgage with 580 Credit Score | 3 Ways to Get Approved

A non-QM mortgage is a home loan that will likely be your solution for financing if you don’t meet traditional lending guidelines. Perfect for: bad credit, unique income, unique property type, and foreign nationals. Link to everything I covered: https://www.balanceprocess.com/what-is-a-non-qm-mortgage/ Feel free to send inquiries to me at adam@balanceprocess.com

E028: Non-QM Mortgage – The Perfect Solution

Everything you need to know about the best mortgages available on the market if you have bad credit. Link to everything I covered: https://www.balanceprocess.com/best-mortgage-for-bad-credit/

E027: Best Mortgage for Bad Credit

Covering the top 4 homes loans for self-employed borrowers. What you need to expect and how to get approved. Links to all content covered here: https://www.balanceprocess.com/home-loans-for-self-employed-borrowers/

E026: Best Home Loans for Self-Employed Borrowers

If you are a realtor, loan officer, or title agent – and there is a slight chance you might ever do a deal on a manufactured home, this episode will save you a shit ton of time and stress. How to get an affidavit of affixture properly recorded on a manufactured home. All the links […]

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