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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 IssuesWe offer common sense programs that help you qualify with non-traditional sources of income.
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Manufactured HomeWhereas many lenders have discontinued lending on manufactured homes, we remain committed to helping.
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High Debt RatioWe offer multiple solutions and a variety of programs to fund loans for borrowers with high ratios.
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Reverse MortgageWe specialize in helping seniors achieve financial freedom.
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Loan ConsolidationLooking to consolidate multiple debts? We can help, whether it be credit cards, car loans, or even mortgages.
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Leveraged BuyoutsRecently divorced? Need to buy someone off title? We specialize in leveraged buyouts!
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