STRATEGIES
FAMILY OPPORTUNITY MORTGAGE
A loan program that allows a borrower to purchase a home for an elderly parent or a disabled adult child, treating it as an owner-occupied property rather than an investment.
USING ASSETS AS INCOME
Leveraging one's existing financial assets, like stocks or retirement accounts, to qualify for a mortgage without traditional income verification.
SEPARATION & DIVORCE
If you're going through separation or divorce, you might have questions about how child support and alimony factor into future mortgage qualification.
HOUSE HACKING
A real estate investment strategy where the owner lives in one of the multiple units of their property and rents out the others, offsetting their living expenses.
KIDDIE CONDO
A loan program allowing parents to co-sign or help finance a property for their children, usually used for college students.
ONE-TIME CLOSE LOANS
A construction-to-permanent loan that combines both the construction financing and the long-term mortgage into one transaction, simplifying the process for homebuyers building a new home.