We believe getting the right loan should feel clear and stress-free. That’s why we break down every option in everyday language and walk you through each step.
You bring your goals, we’ll bring our know-how. Together, we’ll find a loan solution that fits your life today—and leaves you smiling tomorrow.
I hear this one a lot. The two year rule is actually not universal, but it does require some extra documentation to support that your new business is stable. Maybe that information just needs to be included, or an alternative loan option is your best fit, but before you wait it out, let’s see what your options are.
For government loans, this is a big one. Something may not show up on your credit, but just like you wouldn’t lend someone money who didn’t pay you back last time, federal agencies share a database. Most lenders stop right there, but some scenarios are workable with a little extra investigation into what is flagged and whether it’s really a default.
VA loans have extremely flexible guidelines which is a blessing and a curse- there are a lot of things that they allow in theory but individual lenders may not in practice. For example, I helped someone with a shorter history of bonus income than is technically allowed by going over his file directly with the VA.
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