Mortgage by Q

A bank can only offer you their own loan products at their own rates. A mortgage broker like me has access to dozens of wholesale lenders — so I can shop the entire market on your behalf and find you the lowest rate with the best terms. And I'm paid a broker fee by the lender, not by charging you extra.

No — the initial eligibility check is a soft pull only, which has zero impact on your credit score. A hard pull only happens when you formally apply for a loan, and even then, multiple mortgage inquiries within a 45-day window count as one single inquiry under FICO scoring models.

Absolutely. This is one of my specialties. Through Non-QM and bank statement loan programs, self-employed borrowers can qualify using 12–24 months of personal or business bank statements instead of tax returns. Even if your write-offs make your taxable income look low, I can find a lender who looks at the full picture.

Our average close time is 30 days. For well-prepared borrowers with clean documentation, we've closed in as few as 18—21 days. Speed depends heavily on how quickly you provide documents and how fast the lender's underwriting team moves — and I'll guide you through exactly what to have ready from day one.

Yes — investment and rental property financing is a core specialty. Through DSCR (Debt Service Coverage Ratio) loans, you can qualify based on the property's rental income rather than your personal income. This makes scaling a portfolio far easier, especially for buyers with multiple properties or LLC structures.