Mortgages for Realtors
You sell homes for a living. Let us help you finance yours. Specialized loan programs for commission-based Real Estate Agents.
Financing for Real Estate Professionals
As a Realtor, your income fluctuates. You have high-earning months and slower seasons. Traditional underwriting often penalizes this inconsistency. We offer specialized Bank Statement and 1099 programs that smooth out your commission income over 12-24 months, ensuring your true earning power is recognized.
📊 Commission Smoothing
We average out your commission checks over 12 to 24 months, ensuring that seasonal dips in the real estate market don't ruin your debt-to-income ratio.
💼 1099 Only Options
If you operate as an independent contractor under a broker, you can qualify using just your 1099s, skipping the massive tax return analysis.
🏦 Bank Statement Qualification
Deposit your commission checks directly into your business account? We can use 12 months of those deposits to calculate a massive qualifying income.
🏠 Investment Property Friendly
Realtors often spot the best deals first. Use our DSCR programs to close on investment properties quickly without any personal income verification.
Speak with a Specialist
You know the market, we know the financing. Let's get your pre-approval ready for your next purchase.