Mortgage Guide
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© 2023 Mortgage and Portfolio Loan Guide
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All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or real estate investment. Mortgage by Adam
55 Episodes
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Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/
Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUk
Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/
Full video here: https://youtu.be/QZ1NmIZoWAQ
In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar.
For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesner
Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us
Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/
Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options available in today's market.
Learn more here: https://balanceprocess.com/asset-depletion-mortgage/
Subscribe on YouTube: https://youtu.be/GaHv05Jcos0
On today's episode I just wanted to give some love to a couple companies that have made my life and business easier. Kind Lending and Floify.
Grateful for the things that are going right, and grateful for the people who handle their business with care.
I'm excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role of non-occupant co-borrowers. This piece dives deep into understanding how you can aid a potential homeowner, even without residing in the property.
In this guide, you'll uncover:
The intricacies of FHA loans
The pivotal role non-occupant co-borrowers play
Best practices and crucial points of consideration
It's an enlightening listen designed for professionals, financial advisors, and anyone keen on real estate intricacies. 🏡
Learn more here: https://balanceprocess.com/fha-non-occupant-co-borrower/
In today's episode I cover what you need to keep in mind if you're trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/
Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/
When your debt to income ratio is high, it’s important to know what options you have when looking to purchase or refinance your home.
Your options are: FHA Loan, VA Loan, CDFI Loan, Asset Based Mortgage
Today I cover everything you need to know about each option to help you figure out which makes the most sense for you.
Link to everything I covered: https://balanceprocess.com/high-debt-to-income-ratio-mortgage/
Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year.
A traditional loan will not be an option if you have been self-employed less than a year.
It will be done on a no income verification loan.
The loan approval is based on credit and assets.
Available on home purchase and refinance.
You’ll need to work with a loan officer that specializes in these non-traditional types of loans.
Here we cover all of the requirements to get approved and tips to get prepared. Link to everything I covered: https://balanceprocess.com/self-employed-less-than-1-year-mortgage/
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 good credit, and strong verifiable assets.
Here is everything you need to know about getting approved for a no income verification mortgage loan.
https://balanceprocess.com/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 beginners, and I think Tyler's approach is probably one of the most practical and interesting ways to get into the real estate investing world.
Be sure to subscribe to continue to get real world exmples of how to invest in real estate, and how to get approved for a mortgage even when other lenders say it's not possible.
You're welcome to reach out with inquiries anytime here: https://BalanceProcess.com/contact
Subscribe on youtube here: https://youtu.be/mv5oa5PVoQY
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 to know about getting approved for a 12 month bank statement mortgage on a home purchase and refinance.
https://balanceprocess.com/12-month-bank-statement-mortgage/
https://youtu.be/93a4n20r5F8
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
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 is extremely simplified by not having to get tax returns, or any other personal income docs.
These are available on home purchase, rate/term refinance, and cash out refinance.
In today’s post, I cover everything you need to know about getting a DSCR Loan.
Full post here: https://balanceprocess.com/dscr-loan-program/
Full video here: https://youtu.be/5Bvh7fSYyDI
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
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 for wage earners (W2 employees), business owners, and real estate investors.
Learn more here: https://balanceprocess.com/no-tax-return-mortgage/
Subscribe on youtube: https://www.youtube.com/c/MortgagebyAdam
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
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
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