💡 Low Doc Loans Explained: Mortgage Options Without Tax Returns 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 18/09/2025

💡 Low Doc Loans: Mortgage Options Without Tax Returns When it comes to securing a mortgage, most lenders require stacks of paperwork—tax returns, W-2s, pay stubs, and more. But what if you’re self-employed, own multiple businesses, or have income that doesn’t fit neatly into traditional documentation? That’s where Low Doc Loans come in.

Bill Rapp, Commercial Mortgage Broker

💼 What is a Non-QM Loan? Discover Why High-Income Earners Should Consider It 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 22/07/2025

📝 What is a Non-QM Loan and Why High Earners Should Consider It When it comes to mortgage financing, not all borrowers fit into the traditional lending box. High-income earners—such as doctors, business owners, investors, and self-employed professionals—often find themselves penalized by conventional guidelines. That’s where Non-QM (Non-Qualified Mortgage) loans step in.

Bill Rapp, Commercial Mortgage Broker

🧾 How Real Estate Agents Use 1099s to Qualify for Mortgages 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 23/05/2025

🧾 How Real Estate Professionals Can Use 1099s for Mortgage Approval If you're a real estate agent or broker earning commission income, you've probably run into challenges when trying to qualify for a mortgage. Traditional W-2 income is easy for lenders to verify, but 1099 income? That’s a different story. However, with the right strategy and documentation, 1099 income can absolutely be used to secure mortgage approval. Here’s how real estate professionals can leverage 1099s to buy or refinance a home.

Bill Rapp, Commercial Mortgage Broker

🚲 Smart Mortgage Tips for Walkable Homebuyers 🏠

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 17/05/2025

🚲 Why Walkable & Bike-Friendly Developments Are Financing Gold As homebuyer preferences shift toward walkable communities and bike-accessible neighborhoods, mortgage strategies are adapting. Whether you’re a first-time buyer, doctor, investor, or gig worker, here’s how walkability impacts your real estate financing opportunities.

Bill Rapp, Commercial Mortgage Broker