Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/ Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUkBy Adam Lesner

Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/ Full video here: https://youtu.be/QZ1NmIZoWAQBy Adam Lesner

In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar. For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesnerBy Adam Lesner

Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/By Adam Lesner

Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options available in today's market. Learn more here: https://balanceprocess.com/asset-depletion-mortgage/ Subscribe on YouTube: https://youtu.be/GaHv05Jcos0By Adam Lesner

On today's episode I just wanted to give some love to a couple companies that have made my life and business easier. Kind Lending and Floify. Grateful for the things that are going right, and grateful for the people who handle their business with care.By Adam Lesner

I'm excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role of non-occupant co-borrowers. This piece dives deep into understanding how you can aid a potential homeowner, even without residing in the property. In this guide, you'll uncover: The intricacies of FHA loans The pivotal role non-occupant …

In today's episode I cover what you need to keep in mind if you're trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/By Adam Lesner

Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/By Adam Lesner

When your debt to income ratio is high, it’s important to know what options you have when looking to purchase or refinance your home. Your options are: FHA Loan, VA Loan, CDFI Loan, Asset Based Mortgage Today I cover everything you need to know about each option to help you figure out which makes the most sense for you. Link to everything I covered…

Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year. A traditional loan will not be an option if you have been self-employed less than a year. It will be done on a no income verification loan. The loan approval is based on credit and assets. Available on home purchase and refinance. You’ll n…

If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution. These are available for primary residence and 2nd homes, and can be done on a purchase or refinance. This loan option is for well qualified borrowers with good credit, and strong verifiable assets…

Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner. Tyler's story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals. There are so many ways to start investing in rental property for beginners, and I think Tyler…

Business owners and 1099 private contractors - Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required. Your income is calculated based on 12 month deposits. Here is everything you need to know about getting app…

Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uIBy Adam Lesner

How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income. The approval is done based on property cash flow, not personal income. You still need to meet credit and asset requirements, but the process is extremely simpli…

Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today's market. Important links below USDA Income Limits: https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state Property Location Eligib…

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 emp…

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 YouTubeBy Adam Lesner

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.comBy Adam Lesner

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/By Adam Lesner

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 GuideBy Adam Lesner

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: http…

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: ht…

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 …

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/By Adam Lesner

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/By Adam Lesner

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@bala…

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/By Adam Lesner

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/By Adam Lesner

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-i…

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/By Adam Lesner

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.By Adam Lesner

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/By Adam Lesner

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/By Adam Lesner

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.comBy Adam Lesner

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 contractVideo – https://youtu.be/Wx4HWqndK7wBlog – https://www.balanceprocess.com/buying-a-home-on-…

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-exemptBy Adam Lesner

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.By Adam Lesner

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 re…

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…

Everything you need to know about how an underwriter looks at your income and tax returns when considering you for approval or denial. More at BalanceProcess.comBy Adam Lesner

Recent foreclosure or short sale? Not the end of the world. With a portfolio loan there are options for home financing EVEN if you you’re seeking a jumbo loan. I go into detail in today’s podcast. Follow me on insta @alesnerBy Adam Lesner

Here is a full breakdown on the most popular first time home buyer loan options. All very low down payment, and some 0% down. I mentioned several useful tools to use to research your eligibility, all of those are included in the link below. Useful links found here: https://www.balanceprocess.com/first-time-home-buyer-loan/…

Today, we look at 5 reasons your appraisal matters BEYOND value. Yes, the whole point of getting an appraisal is to find out the fair market value, but an appraisal means so much more than just the value when it comes to the home buying process.By Adam Lesner

(click play above) In today’s episode of the Mortgage Guide Podcast we cover what lenders are looking for when reviewing your credit report, and the things that DON’T show on your credit report as well.By Adam Lesner

Demonstrating the ability to repay is perhaps the most important piece of getting approved to buy a house. Here is why.By Adam Lesner

Sellers concessions can bring life to a dead deal. Here are the things you need to know about getting seller concessions negotiated into your home purchase contract. BalanceProcess.com – Bringing balance to the home buying process.By Adam Lesner

In today’s episode of the mortgage guide podcast we cover the basics of what lenders are looking for when evaluating a possible pre-approval: income, credit, assets, and property. Learn more at BalanceProcess.comBy Adam Lesner