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Qualified Home Loans

Self employed

Understanding Non-QM Mortgages: A Comprehensive Guide

When it comes to securing a mortgage, not everyone fits the mold required for a traditional, qualified mortgage (QM). Nonqualified mortgages (non-QM) can provide a viable path to homeownership for those who find themselves outside these conventional boundaries. In this blog, we’ll explore what non-QM mortgages are, who they are for, and the pros and …

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Down Payment Options for Business Owners

When purchasing a home, three main components determine your eligibility. They are income, down payment, and credit history. It gets complicated (especially for those outside the industry) because each is interrelated and interdependent. Think of guidelines more like a cobweb than a neat and linear web. This makes it particularly hard to get a straight …

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Now Licensed in Tennessee!

Bringing homeownership to you in the State of Tennessee, QHL makes it simple by providing more ways to say yes! Learn more about Tennessee’s housing market and how QHL can help you become a homeowner today. Tennessee has seen many new residents migrating from other states around the US and is one of the fastest-growing …

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4 Ways to Document Income when Self-Employed

Obtaining a home loan while self-employed has all the same steps and qualifying metrics as any other loan. We measure credit. We measure loan-to-value. We measure income, and we measure expenses. Qualifications are either inside the box or not. There is no subjectivity. In our experience, the most common obstacle for our self-employed clients is …

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