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The 10-Day Turn That Kept a Dream Home from Slipping Away
December 11, 2025
| Client: Nguyen Le | Broker: Alliance Bay Funding | ||||
| 10 daysClear to Close | $1.94MLoan secured | 100%Deadline met without delay | |||
| Clear to Close | Loan secured | Deadline met without delay | |||
The Challenge
A Dream Home on the Line and No Conventional Path Forward
Nguyen started this file with two high-net-worthborrowers who wanted to secure their dream home. Everything seemed on track atfirst, and the loan was sent to a conventional wholesale lender. Then theborrowers signed an assignment of contract early in the process, whichtightened the timeline and raised the stakes.
The real problem surfaced shortly after: the borrowers hadn’t filed taxes in three years. With that discovery coming in late, the entire file stalled. The conventional lender couldn’t move forward, and the borrowers’ contract timeline wasn’t slowing down.
Nguyen needed support that could:
Rebuild the Financing Strategy
Find a structure that didn’t rely on taxreturns and still made sense for the size of the loan.
Keep the Purchase Alive
Protect the assignment of the contract and avoid losing the property that the borrowers were committed to buying.
Provide Clear Direction Through an Unexpected Pivot
Help a broker adjust quickly after the original plan fell apart.
The Solution
A Strong Program Match and Step-by-Step Support
Right as this loan was getting started, Account Executive, Adrienne Galvan, reached out to walk Nguyen through non-QM options. When the tax issue came to light, that conversation instantly became the answer.
Adrienne explained that the borrowers fit perfectly into an asset depletion program and that pricing would stay competitive. When Nguyen presented this to the borrowers, they immediately saw the value. It gave them a real path forward and the breathing room they needed to get their tax situation sorted without risking the purchase.
Before the file was even listed, Adrienne helped Nguyen clear early items and prepare the file so processing could run smoothly.
The Result
A Fast Close and a Clean Finish
Once the file came in, everything moved with purpose:
A 10-Day CTC That Protected the Buyers’ Timeline
With most conditions handled early, Account Manager, Rahil, cleared the remaining items quickly, keeping momentum strong and leaving only the appraisal transfer to finalize the package.
A Structure That Made the Deal Possible
The asset depletion approach gave the borrowers a qualifying path long after the conventional option was no longer viable.
Confidence for a Broker Taking on Their First Non-QM File
Consistent communication made each step clear, giving Nguyen the necessary support in a more complex scenario.
A Purchase That Stayed Intact
The loan closed at $1.94M and kept the borrowers on track for the home they had already committed to.
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