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Why Breeze Funding?
We offer personalized, first rate alternative programs for special situations:
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Self-EmployedSimply put, we are the income qualification experts. We fund even some of the most complicated income situations.
Getting a mortgage when you're self-employed can be a slightly different process compared to when you're employed by a company. Here are some key points to consider: Documentation: Documentation is often needed to verify your income and financial stability as a self-employed individual. In some cases, you'll need to provide tax returns. In other situations, your bank statements may suffice. There are even programs where no income documentation is available.
Income verification: Lenders want to assess your income stability and ability to repay the mortgage. They may evaluate your average income over a few years rather than just the most recent year. Having consistent or increasing income over time can strengthen your application.
Bank statements: Be prepared to provide several months' worth of bank statements to demonstrate your income and cash flow. This helps lenders verify the consistency of your earnings and assess your ability to cover mortgage payments.
Larger down payment: While not always necessary, being able to provide a larger down payment can help when applying for a mortgage as a self-employed individual when not using tax returns to qualify.
Work with a knowledgeable lender: Finding a lender experienced in working with self-employed individuals can make the process smoother. They will understand the specific requirements and challenges faced by self-employed borrowers.
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Recent ForeclosureWe offer multiple programs with no waiting period after foreclosure depending on the circumstances.
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Low Credit ScoreDon’t let credit blemishes stop you from calling us. We accept credit scores as low as 500, recent foreclosures, bankruptcies and higher debt ratios.
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Easy Investor LoansWe offer low documentation loans specifically tailored for investors of rental properties.
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BankruptcyWe offer multiple loan programs that do not consider property value if you have been on time with your payments.
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Previously DeclinedWith our expanded guidelines, we proudly fund loans that many other lenders decline.
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Income Issues / Low Doc Loans / No Doc LoansWe offer common sense programs that help you qualify with non-traditional sources of income. Whether you are self employed and need a loan that doesnt require tax returns or a property investor who wants to qualify based on cash flow, or simply someone who hates a lot of documentation, we have programs for all types of scenarios to simplify the process and eliminate onerous paperwork.
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Manufactured HomeWhereas many lenders have discontinued lending on manufactured homes, we remain committed to helping. There are several keys to making the process streamlined to finance manufactured homes. First, most loan programs require that the home was built after June 15, 1976. The second requirement is that the home must be secured to a permanent foundation. If yours is not, we have programs available to have it become secured through the financing process. The third key requirement is that if the home is in a park, the park must offer a lease that is a longer term than the term of the mortgage.
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High Debt RatioWe offer multiple solutions and a variety of programs to fund loans for borrowers with high ratios. DTI is a mortgage industry acronym for Debt to Income Ratio. Debt to income ratio is defined in terms of the ratio of your total monthly debts divided by your total monthly income. While not always required, many loans rely on this to determine a borrower's ability to pay a loan based on their monthly cash flow. One of the key ways we are able to solve debt to income issues where other lenders fail is by taking a deep dive into all income sources and and squeezing out dollars others miss, as well analyzing debts to see if any can be calculated a different way. We fund many loans with this process and people are amazed how just a closer human touch makes such an incredible difference.
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Reverse MortgageWe specialize in helping seniors achieve financial freedom. Some seniors think reverse mortgages are scary. In the past, before they were heavily regulated, they had a bruised reputation. But reverse mortgages also are one of the most popular loan programs for seniors who have enough equity, allowing financial freedom by eliminating monthly mortgage payments-- most seniors biggest expense.
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Loan ConsolidationLooking to consolidate multiple debts? We can help, whether it be credit cards, car loans, or even mortgages. While each situation is different, there are many advantages to consolidate debt, including overall lower payments that may be needed at certain times in order to increase monthly cash flow and provide some breathing room for people to accomplish other goals like starting a new business, paying for childcare expenses, and helping family members among many other reasons.
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Leveraged Buyouts / Divorce / Probate / Inherited PropertyRecently divorced or separated: If you are recently divorced or in the process of divorce, we have special loan programs to help you navigate the process and save your home. We offer multiple methods to help remove an ex from your mortgage loan and title, payout any equity required by the court, and give you some breathing room to get back on your feet.
Need to buy someone off title? People buy others off of title for multiple reasons, including: Inheritance- sometimes multiple people inherit an asset like a property and not all want to keep the home, but may still want their share of the home's value. We can help structure a loan to buy out the other beneficiaries in most cases if there is sufficient equity to do so.
Business Partner Dissolution-- We also help investors dissolve interest of a partner from the business through a buyout loan.
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Thank you so much. They said it could not be done, you were our fifth try. You did it. We’re so happy with you. God Bless you.
Miguel and Dora E.
Fresno, CA
I want to let you how wonderful my experience was working with your team that handled my loan. The individuals that helped me along the process were professional and kind to me at all times. I felt like I was taken care of and at the same time they always gave me 100% of their attention. I will not need to look any further in the future when I need somebody like Breeze Funding to handle my loans or when I refer you to people. Thank you.
Jason B.
San Bernardino, CA
Thank you guys so much for helping me buy my first home. I was told it was a really stressful process; and you guys made it easy and were always there to hold my hand.
Christie S.
Seattle, WA
I highly recommend using Breeze Funding; this is my 2nd time utilizing Breeze, and hopefully we will be using Breeze Funding again in the near future. Thank you for all your dedication and hard work.
Noel F.
San Diego, Ca
Everything done and signed off this afternoon. Your assistance has been exceptional. I am saying that as a lawyer with lots of experience with lenders. You are a great asset to your company and to your clients. Your turn around time of one day to obtain the payoff statement from B of A and reissue the revised closing statement after I informed you that the October mortgage payment had already been made was great. I appreciate your work. You’re good at what you do! Congratulations!
Larry F.
Coconut Grove, FL
THANK YOU from the bottom of my heart for all of your hard work. As a teacher, I love the moments when I feel like I have made a difference and changed a student’s life. YOU make a difference and you are about to change our lives forever. I will always be grateful to you.
Tina S
Bennett, CO
I want to thank everyone at Breeze Funding who had a hand in making our refinancing process such a great experience. We want to give a special shout out to Josh who is one of the most patient people I’ve met. So kind and very knowledgeable. This company has done what so many others could not do. I would definitely recommend Breeze Funding to anyone. They are more than a mortgage company they also give sound financial advice. Thanks again Josh, you rock!
Darlene P.
North Chesterfield, VA
What our clients say about us:
Miguel and Dora E. | Fresno, CA
Thank you so much. They said it could not be done, you were our fifth try. You did it. We’re so happy with you. God Bless you.Tina S | Bennett, CO
THANK YOU from the bottom of my heart for all of your hard work. As a teacher, I love the moments when I feel like I have made a difference and changed a student’s life. YOU make a difference and you are about to change our lives forever. I will always be grateful to you.Christie S. | Seattle, WA
Thank you guys so much for helping me buy my first home. I was told it was a really stressful process; and you guys made it easy and were always there to hold my hand.