Your clients’ income is real but rarely simple: K-1s, several entities and distributions that arrive unevenly. I package it so lenders see the full picture, and I work with your office on documents and timing.
How I help your clients
- Complex income, organized. K-1s, multiple entities and distributions laid out the way an underwriter needs them.
- Documents through your office. With the client’s permission I work directly with you, so your client isn’t chasing paperwork.
- Trust and LLC purchases. Trust ownership on many loan types, and LLC ownership for investment property through business-purpose programs.
- Large loans and second homes, including jumbo loans priced across lenders.
- Discretion. Documents shared only with the lender and the parties who need them.
Situations I see often
- A client’s income comes through several companies and a lender can’t follow it.
- A purchase needs to close in a trust for estate planning.
- A client wants a second home or an investment property bought through an LLC.
- A client needs a quick, quiet answer before making an offer.
Programs and tools
- Self-employed loans
- Jumbo loans
- DSCR investor loans
- Second mortgages & HELOCs
- Foreign national & ITIN loans
- Condo financing
Questions
Can my client buy in a trust or an LLC?
Trust purchases are common on many loan types. LLC ownership is usually for investment property, through business-purpose programs such as DSCR loans.
Can documents come from your office?
Yes. With your client’s permission I work directly with your office and ask only for what the lender needs. See also: Document checklists.
How do you handle privacy?
Documents go through secure channels and are shared only with the lender and the parties required to close the loan.
