Your buyer got denied.
The deal isn't dead.
Get The Agent's Non-QM Playbook: 7 proven ways to save a deal when the bank says no, for self-employed buyers, investors, retirees and buyers with a past credit event.
- The 7 Non-QM programs that rescue "unqualified" buyers
- A 5-minute scenario check to run before you write an offer
- Exactly which documents to collect for each program
- How to work with your clients' CPAs and attorneys to save more deals
Get the free playbook
12-page PDF. Instant access. Keep it on your phone for your next showing.
7 deal savers. One playbook.
Each chapter shows the deal that dies, the program that saves it, who it fits, and exactly what to send us.
Bank Statement Loans
Self-employed buyers qualify on 12 or 24 months of deposits, not write-off-heavy tax returns.
P&L-Only Loans
A CPA-prepared profit & loss becomes the qualifying document.
1099-Only Loans
Commissioned pros, contractors and gig earners qualify on their 1099s.
DSCR Investor Loans
Qualify on the property's rent. No personal income. Close in an LLC.
Asset-Based Loans
Retirees and high-net-worth buyers qualify on liquid assets, not a paycheck.
Recent Credit Event
Shorter waiting periods after bankruptcy, foreclosure or short sale.
Bridge Loans
Buy the next home before selling. Write non-contingent offers.
Scenario Check
7 questions to ask before you write an offer, plus CPA & attorney guides.
Your clients don't fit the box. Good.
Save the deal. Keep the commission.
Stop losing buyers who can clearly afford the home but can't prove it the "normal" way.
- Spot Non-QM buyers before the showing
- Write stronger, non-contingent offers
- Win listings with buy-before-you-sell options
Protect the tax strategy.
Your clients shouldn't have to choose between smart write-offs and owning a home.
- Programs that don't rely on the tax return
- Your signed P&L can be the qualifier
- We talk to you directly
Clear outcomes, fewer surprises.
Know what financing is realistic before settlement, discharge or estate decisions.
- Divorce buyouts & support-based qualifying
- Probate and inherited-home financing
- Realistic post-bankruptcy timelines
One "yes" means call us first.
A quick review before your client applies anywhere else can prevent a denial on their credit report and a deal that falls apart three weeks in.
Get the Full PlaybookFrom the arena to the closing table.
Before mortgages, Anthony played professional arena football with the Orlando Predators. Since the mid-1990s he's built a real estate and lending organization in Orlando, and he's known for closing the files other lenders turn away.
Mortgage Houz LLC specializes in Non-QM and alternative-documentation loans for self-employed borrowers, investors and non-traditional earners, and treats every referral partner like a teammate.
The next "no" could be your next closing.
Grab the free playbook, or text SCENARIO to (321) 201-0436 with a stuck file right now.