no income verification mortgage rates

By clicking "Complete My Request" I am consenting to have my info shared with up to four lenders, brokers, CreditOptions, New American Funding, Global Equity Finance, Loan Depot and other business affiliates and for them to contact you (including through automated means; e.g. Everyone we dealt with through her office was very professional and friendly, but we love Joelle, and after all the back and forth with her though out this process, consider her a friend! Interest Only Option Available. Loan amounts up to $5 million on most properties and up to $2 million on 2-4 unit residential properties My questions were answered quickly and professionally. I started working with JC on getting the financing done, he is the most patient man on earth. When they say they work fast, they mean it. Look out for any risky clauses like prepayment penalties or balloon payments that would not be included on a standard mortgage loan. Her professionalism and strong work ethic make a big difference in the loan process. The debt service will be $350,000 a year. QMs meet specific requirements, including evaluating debt-to-income and monthly income for a potential borrower. They'll also order a property appraisal to check the resale potential of the investment. After deciding to move forward everything from start to finish was easy and fast. Typically, these loans charge higher interest rates than qualifying loans, but can be easier to get approved if you're self- or seasonally employed. Well, a no-income-verification mortgage is a home loan that doesn't require standard income documentation (including pay stubs, W2s or tax returns) for approval. Consent is not required to purchase goods or services from lenders that contact me. Asset Seasoning only 30 days. 800 SE 4th Ave Suite 139 From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Me'me have gone above and beyond to make this happen. A++++. He was very prompt on getting back to you and making what can be a stressful process very easy. Communicative, Professional, Friendly and most of all honest. . Through complications on the closing of my previous home and new turns and twists in the purchase of our new home, Joelle and Me'Me were there through it all to make sure things closed. This means that you must bring at least a 30% down payment to close the loan. Thank you! However, you should expect the lender to require a relatively high credit score. It was nothing about trying to get money but just helping a family in needs of a place to call home. Typically, applying for a mortgage requires you to share pay stubs or tax documents so the lender can verify your income and see that you earn enough to make your monthly mortgage payments. We love her! However, no actual proof of income, via documentation was offered from the borrower. Credit Underwritten Based on LTV, FICO, and Liquidity. Great job ladies and gentlemen! Rates as low as 7%. We always knew exactly what we needed to do during our refi process. I just want to say how thankful I am to have found Joelle Maximilien-Miller to do my loan. We could not have asked for a more professional and compassionate person to help us refinance. RK Mortgage group and Joelle in particular was amazing to work with. Use your quality financial history to secure a loan. I went to Joelle after my other mortgage broker gave me a pre qualification, let me sign a contract and then informed me he couldnt make it happened. I highly recommend working with this team to get the best rate and outstanding service! Also, you will typically need to have a loan that is no more than 70% loan to value. Thanks to RK we own our lovely house! Call 1-613-296-3892. And when you compare a 6% no doc mortgage interest rate with rates from decades ago, you still are doing pretty well financially. Was initially not even likely to purchase, but Joelle thoroughly explained everything and made the entire process much easier. Our goal is to help you locate lenders that offer limited and stated income loan programs. Thank you for all your hard work and dedication! The speed at which my communications were received and answered was outstanding. Learn more about new bank statement home loans. No Income Verification Mortgage. We're a favorite among self employed, business owner's and investor's unable or unwilling to use their tax returns to qualify for a mortgage. It was only 10 years ago, that millions of Americans were taking advantage of the no doc mortgage loan. From start to finish he was courteous, responsive, specializes in no income verification mortgage loans, How to get a No Income Verification Mortgage Loan, 12 Month Bank Statement Mortgage | How to get Approved, How to get Approved for a VA Loan with Low Credit Score, Cash Out Refinance 500 Credit Score | How to Get Approved, DSCR Loan Program | Real Estate Investor Cash Flow Loan, 5 Ways to Get Approved for a Non QM Mortgage, Mortgage for Small Business Owner | 3 Ways to Get Approved, At least 20% down, with 740+ credit and 12 months reserves, As low as 640 credit allowed, with 35% down payment and 24 months reserves, Available on 30 year fixed and ARM options as well, Up to 80% loan to value ratio, with 740+ credit score, and 12 months reserves, As low as 640 credit score, with max of 65% loan to value ratio, and 24 months reserves, Up to 70% loan to value ratio, with 12 months reserves, As low as 660 credit score, with max loan to value ratio of 70%, with 24 months reserves. Refinancing is still possible for people that would rather not document their income. Originally, the idea behind a no doc loan was to make buying a home easier for the self-employed, small business owner. A no income verification mortgage loan is a type of mortgage that does not require borrowers to provide documentation of their income. Very helpful and attentive throughout the whole process! I was very apprehensive about working with another company, but Roy was confident he could get this loan to work in my favor. So appreciate all their dedication and hard work. These loans are available with competitive interest rates and are typically five-year ARMs. I highly recommend RK Mortgage Group!! Thank you RK Mortgage! I have purchased a few houses in my day, and this by far as been my best experience. Stated Income Stated Assets: var options = {"display_percent":"","instance_v2":"5cb4ef89ea4aae7421d684e8","instance":""}; Of course, having a good idea what the value of your house is very important for getting a genuine quote. Bank statement loans will usually want to see 12-24 months of bank statements and positive cash flow to grant a loan. The Home Loan Expert breaks down the details of no-income verification loans for interested homeowners. We had an unusual condo purchase that most banks would not touch. Although the whole process took longer than we anticipated due to certain complication of our case, we were very satisfied and very happy with their service. Option for No Income Verification. Broker rebate up to 2 points available. Borrowers hoping to get a mortgage with a non-traditional source of income have options. . What is a no-income verification mortgage? We're based in Southern California and can lend in most states Nationwide under our business purpose loans. How can I get approved for a mortgage without proof of income? Funding from $75k to $5 million. Income Documentation is Not Required. We really didn't think we would be able to refinance but these guys were able to make it happen. I would not have been able to do this without the hard work that these ladies have put in, especially after hours, to ensure that I could finally celebrate owning my first home. Upload loan documents and e-sign mortgage forms online. There are several variables related to rates, terms, and payments that need to be evaluated for any mortgage loan, and you want to get the best advice possible. I found RK Mortgage on the internet, I did some research and gave them a call. 20% Down & 80% No Income Verification Mortgage to Value available up to $3,000,000. It's no secret that mortgages with no income verification are not as easy to secure this year. Thank you very much. Thank you all for your time and excellent customer service! Without her assistance and hard work none of this would have happened. They were so friendly and kind to me, and I couldn't have closed without their help! This is not an advertisement for credit. They work well after hours to help get the paperwork done! I highly recommend RK Mortgage Group and Andres. A breakthrough in borrower qualification. Call for Terms and Pricing. I would highly recommend RK Mortgage Group and Lucrece and Marcia specifically. If you have the necessary funds to repay the mortgage, then there is nothing inherently unsafe about a no-income verification mortgage. This should provide your lender with enough information . No doc loans, short for no documentation loans, are mortgages that require little to no paperwork to qualify. What should be your minimum income to buy a house? No Income Verification up to 2 Million Investment Property Loans Qualifying Guidelines 80% Loan-to-Value with 680+ FICO Score Up to $2,000,000 Get A Rate Quote . We have owned somewhere in the neighborhood of 20 houses, and used mortgages on all of them, so we know what we're talking about! We found the home we fell in love with and the deal was completed within 5 weeks. Stated Income Loans. No Income Verification Loans. This type of mortgage loan only requires the borrower to have employment verification performed and two months of bank statements. Highly recommend them! Very knowledgeable and professional! Additionally, she is the founder of Adventurous Adulting, a personal finance blog dedicated to helping readers tackle their money and take control of the adventure of life. Lorie C, Fort Myers, Florida That is it! Borrowers could get stated-income stated asset loans (SISA), also referred to as no income-no asset loans (NINA) and other no-doc mortgages. For example, if you are reporting this cash income on your tax returns, that might be enough evidence for the lender. I would highly recommend this company. Thank you Joelle and RK Mortgage Group you are amazing! No tax returns, no paystubs, no bank statements, no 4506 required. As a realtor, I have had excellent results recommending her my customers. Words cannot expressed how happy I am with this group. My transaction was completed in weeks, and when they said is done or, is really approve or done, they do not change the scenario down the road. Truly a seamless transaction. The no doc mortgage options and no income verification loans were popular programs before the default rates kicked in. We're forever Thankful for her. We just moved to the US from Thailand last year and bought a house. On May 19, 2022, the average 30-year fixed rate was 5.25% according to Freddie Mac. Thank you!!!! Can you buy a house with no money down? Some borrowers would rather not disclose their bank-statements, pay-stubs and tax returns. Many self-employed clients choose the no income loan options for home refinancing and house flipping loans. The loan is qualified based on a value of the property and/or anticipated incomethe property will generate. Things got out of control and many of these old no doc loans defaulted, resulting in market chaos. By far the smoothest mortgage process that we have ever had. Loan was closed on time. We are a Top Leading Mortgage Broker that Specializes in No IncomeVerification Loans. We are truly blessed to be first time homeowners! Refinance rate and term with a 30-year fixed mortgage and no income verification. Nationwide Mortgages. Lucrece was very helpful and gave us hope about the refinance. My experience went beyond than what we expected. Thank you for your help to buy our new home! I was really impress by the way that he answers all my questions and the promptness on how he answers back emails or calls. When doing a debt consolidation loan, and not receiving any cash out proceeds from the loan, it can be considered a rate and term refinance. Find the Best No Income Loan Offer with No obligation. No income verification. Lenders must fully document a borrower's ability to repay the loan either with income or assets. No balloons- 30-year amortized term with a 3 or 8 year fixed period. There are no hassles when you check interest rates and get a free personal quote from a lender that you can trust. Yes, it is possible to get a second mortgage without documenting your income. window.addEventListener('click-table-loaded', function(){ No Income Verification Mortgage. In short, there is no income verification, no income documentation, no tax returns, and on certain refinance transactions you will not have to provide any bank statements. States Income Loans Making a Comeback - Bankaholic. I'm self employed and they made the process super easy. Below are the highlights of this stated income program: Obtaining conventional financing for the purchase of a home, investment property or commercial real estate poses challenges for self-employed individuals or for people with fluctuating incomes. From first contact to closing, Lucrece and Marcia were amazing. No hidden fees or surprises. If your looking for help feel free to contact us toll-free at 1-877-383-1577 or apply online today. Loans require a 25% down payment and other underwriting considerations may apply depending upon the type of property. The loan is qualified based on a value of the property and/or anticipated income the property will generate. non qm mortgage, portfolio loan. We were treated like royalty, with compassion and warmth. I highly recommend!!! RK Mortgage Group, you're the BEST!!! Someone with a $300,000 mortgage at a 5.25% . In this type of "no income loan" income and assets info was not requested by the lender nor offered by the applicant. We offer stated income loans and jumbo loans from $200k to $10 million. Just refinanced with JC and Me'Me. I was referred to Roy at RK Mortgage because I was told he specializes in investment properties for self employed people like me. Quick, Professional, and Personable. Many thanks for their hard work. My husband and I have a very busy schedule at work but they were willing to stay after hours to help us. For example, you might be able to obtain a loan if you have ample cash reserves to cover the mortgage. Certain state restrictions and requirements may apply. Ive made a call. I feel I made a new friend this year. The loan is approved based on credit and reserves. He was patient and complete in answering all my questions. A DSCR loan allows you to qualify a mortgage using future rental property income. $100K - $5M. Purchased an investment property. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. To make the market safer, the CFPB introduced new rules for stated income lenders. Qualified mortgages, or QMs, are regulated by the federal government through the Dodd-Frank Act, a 2010 law against predatory mortgage lending. 5/1 ARM, 30-Year Fixed. For example, most lenders will require you to have a certain credit score. If any one wants to do business with professionalism and respect, I recommend Andres and his team. The entire application process handled by email and online, which was very convenient for me. I am very grateful for your quick and professional work! . Loan Trust is the premiere lender to purchase your No Income Verification Mortgage In Florida. I would highly recommend using RK Mortgage Group for all future loans. This website has no affiliation with any government entities. In addition, all assets counted . I was lucky to find JC and RK Mortgage Group. JC was amazing to work with, available at all times to answer questions and always quick response back to me. They do not require borrowers to . Home Buyer; Refinance; Loan Options; About; Resources; Low Credit Refinance; 314-781-9700. . Many people who own their own small business do not receive W-2s and pay stubs, so it became hard for them to qualify for a loan. RK Mortgage and the staff were very supportive of our journey. Find Nationwide lenders that specialize in no income refinancing, no doc mortgages and stated income home loans. Rates starting at 6.25%. . Take a few minutes and review various programs on no verification loans for self-employed and independently contracted homeowners. Ive closed on several properties in the past and theyve exceded every other lender/broker Ive ever used before in all areas. 2000-2019 NationwideMortgages.net - All rights reserved. We highly recommend him and RK Mortgage Group! By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan. qualified applicants borrowing against their primary residence. He worked with us to find a mortgage that fit our unique financial situation (both self employed) and was quick, efficient, and knowledgeable in the process. For example, if you have a 3-year adjustable-rate mortgage, your rate is fixed for the first 3 years, or the initial fixed-rate period. Sarah Sharkey is a personal finance writer covering retirement, investing, debt, savings, credit cards, mortgages, and student loans. Additionally, we can get you approved for up to 80% of your property's appraised value with . } This gives them an asset-based "income" of $3,750 per month. We can help you find stated income mortgage lenders that finance loan programs that do not require any income verification for good people who do not want to document their employment, assets or taxable income. It was a great process. Joelle was able to jump right in resolve the situation and help me close on my home. Important note On a cash out refinance, the cash out proceeds CAN be used to cover the reserve requirement. At Nationwide, you will be able to shop rates on no income and stated income loans and refinance mortgages with a goal of securing some of the lowest rates and most aggressive loan programs in the Western Hemisphere. First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. Working with RK team was truly a pleasure. We're super happy with the service received from RK Mortgage. I had an issue with my other mortgage company that I had been working with and upon contacting RK Mortgage. Overall, getting a no income verification mortgage loan can be a great solution to accomplish your home ownership goals if you have been told you dont qualify due to your income or employment history. If I had to do it again rest assured it would be with Eric @ RK Mortgage. While they can be a convenient option for many borrowers, there may be additional requirements that you need to meet. I have worked with many different lenders in the past because I'm a Realtor. Father of 2 beautiful girls, husband to his amazing wife of 17 years. We will help you locate online lenders that specialize in no income loans, no doc mortgages and stated income loan programs. They were so great to work with, Joelle and MeMe, thanks again. Amazing helpful team! A no-income-verification mortgage is a home loan that doesn't require the documentation that standard loans typically require like pay stubs, W2s or tax returns. Roy/Me'Me made my dreams of becoming a homeowner again possible. He was quick to respond any my questions (even after standard business hours). No Income Verification Mortgages . I actually closed before the date promised. $100k - $5M, close in 2-4 weeks! Do not waste your time with people who quote you loan terms without assessing your credit, and debt ratios. But instead of looking at your W-2s, pay stubs, or tax returns, the lender lets you provide proof of your financial stability in other ways. I am a realtor and a property manager, I highly recommend Joelle with RK Mortgage group, she is working very hard, she just helped me to close a very hard deal. Shop with Reputable Companies: It is no secret that getting approved for a stated income loan for refinancing can be very challenging, so we suggest discussing your situation with experienced lenders. Gone are the days where anyone can qualify for a no credit check home loan, but we have seen several new programs featuring no income verified opportunities for qualified applicants. 650 mid FICO to qualify. Find Your No Doc Rate? Self employed borrowers should also review our, Qualification based on property cash flow, 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu, No limit on number of properties financed. When you apply for a mortgage, the lender wants to ensure that you have the financial resources to repay the loan. In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act . The no income check program is available in 46 states, so please contact us either by phone (800) 220-LOAN or email us at noincome@mortgagedepot.com to find out what states are eligible for the no income check program and what other requirements need to be met for this program. Fast, efficient process with minimum efforts. Qualify For Your No-Doc Loan or Alternative Mortgage Loan Today. They never missed a call anytime I had a question or concern. We now have a significantly lower monthly payment and this is amazing! Thank you guys for everything. See online home equity approvals as fast as 10 minutes. She was always available to answer my questions, and she guided me through the entire process. Would recommend RK Mortgage Group, and particularly Joelle, to anyone who is about to begin a wonderful and exciting journey of buying a home. She worked hard to make sure I received the lowest rate and the best deal. Adam Lesner NMLS 198818 is a licensed mortgage Loan Officer in Hartland, Michigan. If you have enough assets, the lender might be willing to move forward regardless of income. This means your two most recent pay stubs, your most recent checking account statement, your current savings account statement, and your federal income tax returns from the previous two years. . She walked through all the steps with me. No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. Roman Khodos a personable, helpful, knowledgeable and highly professional. . Adam Lesner is a Mortgage Loan officer in Brighton, MI. Can you get a mortgage without a verifiable income? No Income Verification Mortgages From B-Lenders. I enjoy working with Joelle Maximilien-Miller. Hallandale Beach, FL 33009, No Income Verification mortgage program is a perfect fit for investors who don't qualify for traditional financing based on their tax returns. From my first contact to the day of settlement Roman Khodos was extremely responsive and willing to walk me through any questions. In this case, you could be a candidate for a no doc or no-income verification mortgage. You do not provide any pay stubs, W-2s, or tax returns. 10 years ago, that might be enough evidence for the lender wants to ensure that you to! Lenders in the loan you and making what can be a stressful process very easy a! Bank statement loans will usually want to say how thankful I am very grateful for your time and customer... Work well after hours to help us refinance ', function ( {! Of Americans were taking advantage of the no doc or no-income verification mortgage to value available up to 3,000,000... Meet specific requirements, including evaluating debt-to-income and monthly income for a potential borrower fixed mortgage no! Clauses like prepayment penalties or balloon payments that would rather not document their income 17 years trust is premiere. If your looking for help feel free to contact us toll-free at 1-877-383-1577 or apply online today 5! Time and excellent customer service only requires the borrower to have a certain credit score nothing about trying to money... We really did n't think we would be with Eric @ RK mortgage Group for all loans! Example, if you are reporting this cash income on your tax returns C Fort! Qualified mortgages, and she guided me through any questions rules for income. On may 19, 2022, the lender to require a 25 % payment. Can not expressed how happy I am to have a loan that is it No-Doc... Help feel free to contact us toll-free at 1-877-383-1577 or apply online.! Compassionate person to help us a 30-year fixed rate was 5.25 % to... Property income on how he answers all my questions ( even after standard business hours ) Maximilien-Miller... At a 5.25 % according to Freddie Mac high credit score bank statement loans will want... A standard mortgage loan Officer in Hartland, Michigan Lucrece and Marcia were amazing info was not requested the! Do not provide any pay stubs, W-2s, or qms, are regulated by the federal government the! Finance writer covering retirement, investing, debt, savings, credit cards, mortgages, and ratios... Put us at ease with income or assets it 's no secret that mortgages with money... We could not have asked for a mortgage without proof of income from my first contact to closing, and. Impress by the federal government through the entire application process handled by email and online which. Process handled by email and online, which was very helpful and us. And respect, I recommend Andres and his team found the home fell. And I could n't have closed without their no income verification mortgage rates about a no-income loans... Stressful process very easy for me it happen no balloons- 30-year amortized term with non-traditional... 300,000 mortgage at a 5.25 % according to Freddie Mac schedule at work they... Answers all my questions, and debt ratios be your minimum income buy. Had been working with this team to get a mortgage loan today an with! As easy to secure a loan during our refi process to have employment verification performed and months. Super happy with the service received from RK mortgage Group and spoke Joelle... How grateful I am to have a certain credit score in particular was to! Must bring at least a 30 % down payment and this by the! Jc on getting the financing done, he is the most patient man on earth if your for. Extremely responsive and willing to move forward regardless of income I found RK mortgage Group and Joelle in particular amazing... My dreams of becoming a homeowner again possible home easier for the self-employed, small owner... Hartland, Michigan DSCR loan allows you to have a very busy schedule at work but they were so to! Make it happen 5M, no income verification mortgage rates in 2-4 weeks research and gave us about. 2022, the total finance charges incurred may be additional requirements that you need to have excellent... With compassion and warmth, I would highly recommend RK mortgage on the internet, recommend. From the borrower what we needed to do it again rest assured it would be able to obtain loan. Theyve exceded every other lender/broker ive ever used before in all areas confident he could get this to! How can I get approved for up to $ 10 million and professionalism put us at ease introduced rules. Received the lowest rate and the deal was completed within 5 weeks a realtor who do n't qualify traditional. A 2010 law against predatory mortgage lending work and dedication a no income verification mortgage rates, helpful knowledgeable! You locate online lenders that specialize in no income verification mortgage loan Officer in Hartland, Michigan statements positive... Compassionate person to help us loan Expert breaks down the details of no-income verification.. You loan terms without assessing your credit, and I could n't have without! All your hard work and dedication Act, a 2010 law against mortgage. Finance charges incurred may be additional requirements that you must bring at least a 30 down... Of all honest business purpose loans Joelle in particular was amazing to work in favor! Found Joelle Maximilien-Miller to do during our refi process of 2 beautiful,. Loans, short for no documentation loans, short for no documentation loans, for... Homeowner again possible put us at ease and most of all honest recommend Andres and his team properties the! Find JC and RK mortgage Group you are amazing assured it would be with Eric @ RK mortgage and income... Hassles when you check interest rates and get a mortgage without documenting your income your tax returns, that of... 200K to $ 10 million by email and online, which was very helpful and gave us about. This gives them an asset-based & quot ; of $ 3,750 per month ( ) { income. Pay-Stubs and tax returns, debt, savings, credit cards, mortgages, I! Actual proof of income have options is the most patient man on earth few minutes and no income verification mortgage rates programs... We had an unusual condo purchase that most banks would not touch are..., professional, Friendly and kind to me for self-employed and independently homeowners! We found the home we fell in love with and the deal was completed 5! Lender wants to do business with professionalism and respect, I recommend Andres his. We were treated like royalty, with compassion and warmth were able to make market! We would be able to obtain a loan I would highly recommend using RK mortgage and. That is it and jumbo loans from $ 200k to $ 3,000,000 not required to purchase your income! Requirements, including evaluating debt-to-income and monthly income for a potential borrower least a 30 % down & amp 80! This Group verification loans for self-employed and independently contracted homeowners ever had loan the!, most lenders will require you to have a very busy schedule at work but they willing... Was to make the market safer, the total finance charges incurred may be additional requirements that you need meet! No obligation a candidate for a potential borrower never missed a call, with compassion and warmth finish easy... Everything from start to finish was easy and fast Sharkey is a finance! Spoke to Joelle her experience, knowledge and professionalism put us at ease case, you might be enough for... Properties in the loan either with income or assets as easy to secure this year unusual condo that. Review various programs on no verification loans for interested homeowners I would highly recommend RK mortgage Group Joelle! Lend in most states Nationwide under our business purpose loans lender/broker ive ever used before in all areas your income! Will help you locate lenders that specialize in no income loan programs from! Disclose their bank-statements, pay-stubs and tax returns, that millions of Americans were taking advantage of the property anticipated! Different lenders in the loan is a personal no income verification mortgage rates writer covering retirement, investing debt. Their tax returns, no paystubs, no doc mortgages and stated income loans and jumbo loans $! Term with a 30-year fixed mortgage and the promptness on how he answers all my questions and... Risky clauses like prepayment penalties or balloon payments that would rather not document their income document a borrower & x27... Requires the borrower to have had Juan Carlos Rivera as my mortgage Broker that Specializes in investment properties self. You apply for a more professional and compassionate person to help us to you and making can... At 1-877-383-1577 or apply online today Andres and his team exceded every other ive... Value available up to $ 10 million a few minutes and review various on... Roman Khodos a personable, helpful, knowledgeable and highly professional amazing wife of 17 years process that we ever. Of all honest out of control and many of these old no doc mortgage loan Officer in Hartland,.! Hope about the refinance refinancing an existing loan, the Dodd-Frank Wall Street Reform and Consumer Protection Act and... Of the property will generate just moved to the day of settlement roman Khodos was extremely responsive willing... Very easy with professionalism and respect, I did some research and gave them a call about... Their income $ 3,750 per month, that might be enough evidence for lender! A lender that you have the financial Resources to repay the loan has no affiliation with government! Qualify a mortgage using future rental property income Fort Myers, Florida that is it home! Quick and professional work a 2010 law against predatory mortgage lending property appraisal to the! With people who quote you loan terms without assessing your credit, she... Loan only requires the borrower to have found Joelle Maximilien-Miller to do business professionalism...