The Digital Deed

The DL on P&L Loans

Profit Loss Statement-Based Loan Qualification Introduction US business owners and self-employed individuals enjoy a distinct advantage under the US tax code. It permits them to offset portions of their taxable income through deductions – reducing their overall tax liability. However, they face challenges when applying for mortgages due to income documentation requirements that may not […]

Breaking Down Bank Statement Loans

Providing An Alternative Verification Method for Untraditional Borrowers Introduction Not everyone can provide traditional mortgage documentation. Borrowers who encounter situations like this often find themselves in need of a loan but are unable to qualify for one. The good news is that there are some alternatives, such as bank statement loans, that we will delve […]

Demystifying Debt Service Coverage Ratio (DSCR) Loans

Simplified Mortgages For Real Estate Investors Introduction Our DSCR mortgages are easy to qualify for, making them a popular Non-QM loan. DSCR programs don’t require you to provide or verify your personal income or employment history. Instead, qualification is based on the property’s Rent vs. (PITI) principal, interest, taxes, and insurance. That being said, sufficient […]

Reaching Gen-Z Homebuyers and Their Needs

Generation Z, also known as Gen-Z, refers to individuals born between 1997 and 2012. As this demographic group reaches adulthood, they are increasingly becoming a significant force in the housing market. In recent months, it’s become evident that reaching Gen-z homebuyers is going to be key for mortgage and real estate professionals.  Forbes shared that, […]

Alternative financing options for homebuyers & everything Non-QM loans

Buying a home is an investment, and for many people, it requires a loan. When it comes to buying, most people think of traditional conforming mortgage loans as the only option for financing, but that’s not the case. For borrowers who cannot or do not wish to route through the traditional loan procedures, there are […]

The importance of making the mortgage process simple for consumers like you

Obtaining a mortgage can be a lengthy and confusing process, even for experienced homebuyers. First-time homebuyers typically face a much higher learning curve as they navigate learning to understand their credit profile, the homebuying process and the many terms and regulations surrounding the housing industry.  For example, when it comes to closing costs, or fees […]

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