Not every borrower fits into the traditional mortgage categories—and that’s okay. The "My Situation is Unique" Loan is designed for individuals who believe their financial situation is too complex for standard mortgage options. Whether you have multiple income streams, unique assets, or a non-traditional employment history, we specialize in finding a loan solution that works for you.

This loan program is ideal for borrowers who:
✔ Are self-employed with fluctuating income.
✔ Are freelancers or gig workers who don’t receive traditional pay stubs.
✔ Have blended household income from multiple sources.
✔ Own investment properties with rental income.
✔ Have large assets but little taxable income.
✔ Have other unique financial circumstances that don’t fit typical lending guidelines.

✔ Provide alternative income documentation, such as bank statements, asset statements, or 1099 forms.
✔ Show proof of consistent cash flow or assets to support loan repayment.
✔ Meet the minimum credit score requirement (varies by lender).
✔ Work with our lending team to structure a mortgage solution based on your individual circumstances.

Speed matters—our process is designed for fast approvals.
✔ 24-hour pre-approval once documentation is submitted.
✔ Full loan approval within 3–5 days after appraisal and required documents are received.

✔ Flexible qualification process – We look beyond W2s and tax returns.
✔ Custom-tailored solutions – Your loan is structured to fit your unique financial profile.
✔ More approval opportunities – Ideal for borrowers who don’t qualify for traditional loans.
✔ Access to multiple lending options – We work with a network of lenders to find the best fit.

✔ May require alternative documentation (e.g., bank statements, assets, rental income verification).
✔ Interest rates and terms may differ from conventional loan programs.
✔ Approval process may require additional financial review depending on complexity.