Mortgage Guide

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 re...

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

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/

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

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 loan types. Learn more at: https://www.balanceprocess.com/mortgage-fo...

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 to everything I covered here: https://www.balanceprocess.com/coronavirus-mortgage-...

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 term rentals in their respective market. In today’s post I cover everything investors need to...

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/

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/

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

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/

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/

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 I mentioned can be found here: https://www.balanceprocess.com/what-is-an-affidavit-of-affixture/

Everything you need to know about getting approved for an FHA loan with credit as low as 500 score. Learn more here:  https://www.balanceprocess.com/fha-loans-for-bad-credit/ Also, check your FHA county loan limit here: https://entp.hud.gov/idapp/html/hicostlook.cfm? CFID=2580506&CFTOKEN=748204175f33ca46-20A3305C-91BE-0129-C465BB71E0AFC3B9

If you are a real estate investor, or have thought about getting into real estate investing, this might be the most important content you will listen to on getting approved for rental property financing. Find out more at:  https://www.balanceprocess.com/rental-property-financing/

No tax returns? No problem. Here are 5 ways to get approved for a mortgage without providing tax returns even if you are self-employed. You can shoot me an inquiry anytime at balanceprocess.com to get your questions answered.

Getting approved for cash out refinance when you have bad credit. Everything you need to know. Learn more at  https://www.balanceprocess.com/cash-out-refinance-with-bad-credit/

Today we cover everything business owners need to know about getting approved for a home loan without tax returns. on a bank statement mortgage. For self-employed and private contractors who show low income on tax returns. Learn more at  https://www.balanceprocess.com/bank-statement-mortgage/

Perhaps one of the most misunderstood guidelines in the mortgage world as it relates to buying a home after bankruptcy. Today I go deeeeeeeep into what it takes to buy after BK, and have surrendered a house in that bankruptcy (regardless of foreclosure date). Learn more at BalanceProcess.com

When you decide buying a house on land contract is the route you want to take, here is a video on how to find homes for sale on land contract, and how to prepare to buy. Other videos and helpful links… Everything you need to know about buying on land contract Video –  https://youtu.be/Wx4HWqndK7w Blog –  https://www.balanceprocess.com/buying-a-home-on-land-contra…/ Alternative to...

Today I cover the real estate tax exemption for 100% disabled veterans in the state of Michigan. If you are a veteran of the armed forces, I appreciate your service to our country. Semper Fidelis. Helpful link  https://www.balanceprocess.com/all-american-exempt

Getting approved with a manual underwrite is often the most logical solution for a challenge on an FHA or VA loan. In today’s episode of the mortgage guide podcast I cover what manual underwriting mortgage means, and how it can be the glue that holds it all together.

If you are self-employed or a private contractor, this is the episode you need to hear. I dive into exactly how to get approved for a mortgage with a bank statement loan, and no tax returns are required. Unfortunately, so many times business owners are told they do not qualify for a mortgage because of the way they show their income on their tax returns. With a bank statement loan your income is c...

Do I qualify for a home loan? To answer that question you need to understand how lenders look at your income, your credit, your assets, and the property you’re looking to finance. Today I dive into each component in depth in order to answer all of the qualifying questions you may have. More at BalanceProcess.com