Featured Articles
Actionable lending insights to help mortgage brokers and LOs close more loans.
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1099 vs Bank Statement vs Profit and Loss Loans
Self-employed borrowers don’t usually struggle because of credit - they struggle because their income doesn’t fit traditional documentation rules. This guide compares 1099 loans, bank statement loans, and P&L loans, explaining how each option verifies income, when it makes the most sense, and how brokers can structure cleaner, smoother non-QM approvals.
What Is A 1099 Loan?
This guide breaks down who a 1099 loan is best for, how underwriting evaluates income, and the key rules brokers must confirm early - including the 2-year history requirement, the 80% YTD deposit test, and the 25% cap on income increases. When structured correctly, a 1099 loan offers brokers a clean, efficient path to approval for strong self-employed borrowers with real income but complex documentation.
How to Get Approved for WVOE Loans
Getting approved for a WVOE loan isn’t about skipping documentation—it’s about presenting a clear, verifiable employment and income story. This guide explains who qualifies for WVOE loans, how underwriters evaluate employment and deposits, common approval mistakes, and how brokers can structure files correctly from the start to avoid conditions and delays.
Benefits of a WVOE Only Mortgage
A WVOE Only mortgage allows wage and salary borrowers to qualify using an employer-completed verification instead of traditional paystubs, W-2s, or tax returns. This article explains how WVOE Only works, when it makes sense, what underwriters look for, and how brokers can position it to reduce friction while maintaining strong income validation.
What is WVOE in a Mortgage?
WVOE is an alternative income documentation method used primarily in non-QM mortgage lending for wage and salary borrowers. This guide explains what WVOE is, who it’s designed for, how income is verified, common loan structures, and how WVOE compares to bank statement loans, helping brokers place borrowers correctly and keep files clean from the start.
Lendz Financial Earns Great Place to Work® Certification™
Lendz Financial has been officially Certified™ by Great Place to Work®, a prestigious recognition based entirely on confidential employee feedback. With 95% of team members affirming a high-performing, supportive workplace culture, the certification highlights Lendz Financial’s commitment to trust, collaboration, transparency, and professional growth.
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Foreign National DSCR Loan Requirements
Foreign national DSCR loans make it possible for international investors to finance US rental properties without US tax returns or traditional income documentation. This guide breaks down the core foreign national loan requirements, explains how DSCR qualifying works, and shows brokers how to prepare clean files that move smoothly through underwriting.
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Foreign National Loan Down Payment Guide for Real Estate Buyers
Buying property in the U.S. as a foreign national doesn’t have to be complicated. This guide breaks down exactly how down payments work, what lenders look for, and the documentation international buyers need - even without U.S. credit, income, or tax returns.
DSCR Loans For Brokers: Benefits And Requirements
If you’re a mortgage broker helping investors expand their rental portfolios, a DSCR loan can open doors to more financing opportunities nationwide. Unlike traditional loans that rely on personal income verification, these loans focus on the property’s cash flow, making them ideal for real estate investors.
