Bridge loan alternatives in Colorado are one of the most common topics I discuss with homeowners in Centennial, Lone Tree, Parker, Highlands Ranch, Castle Rock, and throughout the Denver metro area and Colorado. Many move-up buyers assume a traditional bridge loan is the only way to access equity before selling their current home. In reality,…

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Wooden blocks stacked vertically spelling out CPA to represent the role of a tax professional in mortgage qualifying.

For self-employed homebuyers in Colorado, the Bank Statement Loan is often the most logical path to a mortgage. Instead of relying on tax returns where heavy deductions can shrink your taxable incomele, nders evaluate your actual cash flow via 12 or 24 months of business deposits. However, there is a critical detail that many borrowers…

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Non-QM mortgage rates in Colorado illustrated with model homes and percentage symbol

Non-QM mortgage rates in Colorado are one of the most common questions I hear from home buyers and homeowners in Centennial, Lone Tree, Parker, and across the Denver metro area. Borrowers often ask why Non-QM rates are higher than conventional or government loans, especially when they have solid credit and strong income. The short answer…

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Gondola traveling over a snowy Colorado ski mountain representing seasonal income and a non-qm bank statement loan.

For many self-employed professionals in Colorado, from contractors who peak in the summer building season to mountain resort workers who thrive in the winter, your annual income is strong, but your monthly cash flow fluctuates. This is the exact point where traditional mortgages fail. A conventional lender sees zero income for four months of the…

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Investment property rental home representing conventional and non-QM loan rules

Understanding Investment Property Loan Rules in Colorado Investment property loan rules are very different from owner-occupied mortgage guidelines, and they become even more important as your rental portfolio grows. Real estate investors in Centennial, Denver, Parker, Castle Rock, and across Colorado often ask how many properties they can finance, what income counts, and when conventional…

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Mortgage broker smiling, talking to a client about Non-QM loan options and the Ability-to-Repay (ATR) Rule.

If you are a self-employed business owner or a real estate investor in the Denver metro area, you may have found your perfect mortgage solution in the world of Non-QM loans. They offer the flexibility you need to qualify without W-2s or conventional income documents. However, the term “Non-QM” sometimes raises a red flag for…

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Young woman running a small business (florist/crafts) reviewing her finances and bank statements on her phone and tablet.

If you are a successful self-employed professional, you already understand the delicate balancing act: you want to minimize your taxable income to save money on taxes, but you need to maximize your qualifying income to secure the best mortgage. The legal and tax structure you choose for your business—specifically, an S-Corporation (S-Corp) versus a Limited…

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A smiling couple, self-employed business owners, reviewing their options for a Bank Statement Loan, specifically deciding between the 12-month and 24-month bank statement review periods.

If you are a self-employed professional, freelancer, or business owner in Colorado, you know your income is not a neat, stable number on a W-2. It rises, it falls, and it often has seasonal swings. That’s why the Bank Statement Loan is the perfect solution, it looks at your actual cash flow, not your tax…

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