Austin mortgage broker · Serving Texas
Start with what you want to accomplish. Buying a home, qualifying with business income, financing a rental or using your equity each calls for a different conversation.
You don’t need to choose a loan program first. These paths explain the options, the questions that matter and where to go next.
Find your starting point
Compare tax returns, eligible deposits, 1099 earnings, and other documentation paths. Start with the way your business pays you.
Compare self-employed mortgage options →
Plan around business liquidity and timingExplore how eligible assets may replace or supplement recurring income, with separate consideration for closing funds and reserves.
Complex wealth and mortgage strategy · Reverse-mortgage optionsCompare financing around the property, rental income and investment plan, including conventional, DSCR and other investor options.
DSCR loans in Texas · Estimate a property’s DSCRStart with your budget and timing, whether it is your first purchase, a move before selling, or a custom build.
Buy before you sell · Build a homeStart with the goal: change the payment or term, access equity, or compare an offer. Review the costs and alternatives alongside the interest rate.
Home equity and HELOCs · Get a second opinion on an offerTell me what you want to do, what makes the file complicated and your timing. A short scenario can help identify which questions to resolve first.
Contact Adam directlyAlready know the program name?
These guides explain program fit and the information needed for a review. Eligibility and terms depend on the borrower, property and current lender requirements.
Buying a home that needs work? Share the property and renovation plan so the scope can be reviewed before choosing financing.
Use a calculator to explore assumptions before relying on a payment, income estimate or refinance saving.
Choose a calculator →Look at relevant examples, the constraint in each file and the reasoning behind the financing path.
Explore mortgage scenarios →No. Start with your goal, how you earn income, the property and your timing. A scenario review can identify which documentation and program questions to explore.
Yes, when the documented income, assets, credit and property meet the relevant requirements. Being self-employed does not automatically require a Non-QM loan.
Compare eligibility first, then written terms using the same borrower, property, loan amount and date. Review the payment, points or credits, closing costs, reserves and relevant prepayment terms.
No. A short scenario starts a conversation. A formal application and pre-approval require a separate review and supporting documentation.
Start with the goal and your existing mortgage. Refinancing, a home equity loan and a HELOC have different structures and costs; the useful comparison depends on your situation.
Share the property, goal, income situation and timing. We can identify what needs a closer look before you commit to a program.
Educational information, not a commitment to lend. Program availability, documentation and terms are subject to current lender requirements and review. CFPB guide to comparing loan options.