Mortgage Guide: Recent Episodes
Adam Lesner
All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or real estate investment. Mortgage by Adam
In this TikTok Livestream recap, we dive deep into DSCR loans—explaining how they work, who they’re for, and why they’re a game-changer for real estate investors looking for hassle-free financing.
In this recap of the TikTok Livestream, we explore DSCR loans—no tax returns required.
Learn how this alternative financing option works, who it benefits, and how it can simplify the funding process for real estate investors.
Getting a DSCR loan as a real estate investor without tax returns is a great way to accomplish your investment goals, if you have been told that you do not qualify for a mortgage because of your income situation.
Schedule a call here: https://calendly.com/lesnerap63/30min
If you want to be a part of the next live, please feel free to follow me on tiktok, just search mortgagebyadam or Adam Lesner.
My goal is to help you accomplish your homeownership and real estate investment goals. My oxygen is getting borrowers approved when other lenders say it's not possible.
More on DSCR loans here: https://balanceprocess.com/dscr-cash-out-refinance/ https://balanceprocess.com/dscr-loan-program/
Covering everything you need to know about DSCR loans. You're welcome to schedule a call anytime here: https://calendly.com/lesnerap63/30min
More on DSCR loans here: https://BalanceProcess.com/dscr-loan-program/
Be sure to subscribe and follow on tiktok @MortgagebyAdam so you can be a part of the lives in the future.
Semper Fidelis
Today's recap on everything you need to know about getting a no tax return mortgage via DSCR loan or bank statement loan.
Schedule a call with me directly here: https://calendly.com/lesnerap63/30min
If you want to be a part of the next live be sure to follow @mortgagebyadam on tiktok
More on no tax return mortgage loans here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/
Subscribe on youtube: https://youtu.be/0O7yQ7hiUUk
Semper Fidelis
Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/
Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUk
Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/
Full video here: https://youtu.be/QZ1NmIZoWAQ
In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar.
For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesner
Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us
Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/
Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options available in today's market.
Learn more here: https://balanceprocess.com/asset-depletion-mortgage/
Subscribe on YouTube: https://youtu.be/GaHv05Jcos0
On today's episode I just wanted to give some love to a couple companies that have made my life and business easier. Kind Lending and Floify.
Grateful for the things that are going right, and grateful for the people who handle their business with care.
I'm excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role of non-occupant co-borrowers. This piece dives deep into understanding how you can aid a potential homeowner, even without residing in the property.
In this guide, you'll uncover:
- The intricacies of FHA loans
- The pivotal role non-occupant co-borrowers play
- Best practices and crucial points of consideration
It's an enlightening listen designed for professionals, financial advisors, and anyone keen on real estate intricacies. 🏡
Learn more here: https://balanceprocess.com/fha-non-occupant-co-borrower/
In today’s episode I cover what you need to keep in mind if you’re trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/
Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/
When your debt to income ratio is high, it’s important to know what options you have when looking to purchase or refinance your home. Your options are: Today I cover everything you need to know about each option to help you figure out which makes the most sense for you. Link to everything I covered: […]
Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year. A traditional loan will not be an option if you have been self-employed less than a year. It will be done on a no income verification loan. The loan approval is based on […]
If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution. These are available for primary residence and 2nd homes, and can be done on a purchase or refinance. This loan option is for well qualified borrowers with […]
Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner. Tyler’s story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals. There are so many ways to start investing in rental property for […]
Business owners and 1099 private contractors – Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required. Your income is calculated based on 12 month deposits. Here is everything you need […]
Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uI
How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income. The approval is done based on property cash flow, not personal income. You still need to meet credit and asset requirements, but the process […]
Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today’s market. Important links below USDA Income Limits: https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state Property Location Eligibility: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp Reach out to connect with a USDA Construction Lender: https://balanceprocess.com/contact
Reduce documentation and confusion by getting a mortgage without tax returns. It’s extremely common for lenders to ask for tax returns by default, even if they are not needed. Today I cover everything you need to know about how to get approved for a home purchase or refinance without providing tax returns. This is available […]
Here are 3 ways to get approved with credit score in the 500’s. Link to everything I covered here: https://balanceprocess.com/cash-out-refinance-500-credit-score/ Be sure to subscribe to Mortgage by Adam on YouTube
Effective 9/18/2021 borrowers/co-borrowers will be able to use a combined average of their scores on Desktop Underwriter (DU). Let me know your thoughts on this: adam@balanceprocess.com
Tody we cover everything you need to know about getting approved for the FHA W2 Only Program. Here is the link to everythign I covered: https://balanceprocess.com/fha-w2-only-program/
Today we cover the 3 ways to refinance your home without getting an appraisal. Learn more on everythign I covered here: https://www.balanceprocess.com/refinance-mortgage-without-appraisal/ Check out and subscribe to the YouTube Channel: Portfolio Loan Mortgage Guide
If you’re a small business owner, and have been told you don’t qualify for a mortgage because of your tax deductions, this episode covers everything you need to know on how to get approved to purchase or refinance a home. We cover everything on getting approved for bank statement mortgage and profit and loss mortgage […]
The stimulus checks are trickling in, but for many people that will not be enough to survive as the economy remains on pause. Today I cover my persective on what is happening in the mortgage world during this pandemic, what needs to happen to recover, and what products are still available today. References and links […]
Most lenders aren’t a huge fan of considering a refinance on a short term rental. The potential risk of not having a long term lease on the property makes them nervous. Now investors can get approved to refinance if they can show 12 months history to support that their short term rental out performs long […]
Happy to share with you some interesting tips on how to successfully complete a cash out refinance on a land contract. Here is a link to everything that I covered: https://www.balanceprocess.com/cash-out-refinance-land-contract/
Everything you need to know about getting approved for a mortgage with 580 credit score on FHA, VA, and non-QM mortgage. Home purchase, refinance, and cash out refinance. Here is the link to everything I covered: https://www.balanceprocess.com/mortgage-with-580-credit-score/
A non-QM mortgage is a home loan that will likely be your solution for financing if you don’t meet traditional lending guidelines. Perfect for: bad credit, unique income, unique property type, and foreign nationals. Link to everything I covered: https://www.balanceprocess.com/what-is-a-non-qm-mortgage/ Feel free to send inquiries to me at adam@balanceprocess.com
Everything you need to know about the best mortgages available on the market if you have bad credit. Link to everything I covered: https://www.balanceprocess.com/best-mortgage-for-bad-credit/
Covering the top 4 homes loans for self-employed borrowers. What you need to expect and how to get approved. Links to all content covered here: https://www.balanceprocess.com/home-loans-for-self-employed-borrowers/
If you are a realtor, loan officer, or title agent – and there is a slight chance you might ever do a deal on a manufactured home, this episode will save you a shit ton of time and stress. How to get an affidavit of affixture properly recorded on a manufactured home. All the links […]
Everything you need to know about getting approved for an FHA loan with credit as low as 500 score. Learn more here: https://www.balanceprocess.com/fha-loans-for-bad-credit/ Also, check your FHA county loan limit here: https://entp.hud.gov/idapp/html/hicostlook.cfm?CFID=2580506&CFTOKEN=748204175f33ca46-20A3305C-91BE-0129-C465BB71E0AFC3B9
If you are a real estate investor, or have thought about getting into real estate investing, this might be the most important content you will listen to on getting approved for rental property financing. Find out more at: https://www.balanceprocess.com/rental-property-financing/
No tax returns? No problem. Here are 5 ways to get approved for a mortgage without providing tax returns even if you are self-employed. You can shoot me an inquiry anytime at balanceprocess.com to get your questions answered.
Getting approved for cash out refinance when you have bad credit. Everything you need to know. Learn more at https://www.balanceprocess.com/cash-out-refinance-with-bad-credit/
Today we cover everything business owners need to know about getting approved for a home loan without tax returns. on a bank statement mortgage. For self-employed and private contractors who show low income on tax returns. Learn more at https://www.balanceprocess.com/bank-statement-mortgage/
Perhaps one of the most misunderstood guidelines in the mortgage world as it relates to buying a home after bankruptcy. Today I go deeeeeeeep into what it takes to buy after BK, and have surrendered a house in that bankruptcy (regardless of foreclosure date). Learn more at BalanceProcess.com
When you decide buying a house on land contract is the route you want to take, here is a video on how to find homes for sale on land contract, and how to prepare to buy. Other videos and helpful links… Everything you need to know about buying on land contract Video – https://youtu.be/Wx4HWqndK7w Blog – https://www.balanceprocess.com/buying-a-home-on-land-contra…/ […]
Today I cover the real estate tax exemption for 100% disabled veterans in the state of Michigan. If you are a veteran of the armed forces, I appreciate your service to our country. Semper Fidelis. Helpful link https://www.balanceprocess.com/all-american-exempt
Getting approved with a manual underwrite is often the most logical solution for a challenge on an FHA or VA loan. In today’s episode of the mortgage guide podcast I cover what manual underwriting mortgage means, and how it can be the glue that holds it all together.
If you are self-employed or a private contractor, this is the episode you need to hear. I dive into exactly how to get approved for a mortgage with a bank statement loan, and no tax returns are required. Unfortunately, so many times business owners are told they do not qualify for a mortgage because of […]
Do I qualify for a home loan? To answer that question you need to understand how lenders look at your income, your credit, your assets, and the property you’re looking to finance. Today I dive into each component in depth in order to answer all of the qualifying questions you may have. More at BalanceProcess.com
Everything you need to know about how an underwriter looks at your income and tax returns when considering you for approval or denial. More at BalanceProcess.com
Recent foreclosure or short sale? Not the end of the world. With a portfolio loan there are options for home financing EVEN if you you’re seeking a jumbo loan. I go into detail in today’s podcast. Follow me on insta @alesner
Here is a full breakdown on the most popular first time home buyer loan options. All very low down payment, and some 0% down. I mentioned several useful tools to use to research your eligibility, all of those are included in the link below. Useful links found here: https://www.balanceprocess.com/first-time-home-buyer-loan/
Today, we look at 5 reasons your appraisal matters BEYOND value. Yes, the whole point of getting an appraisal is to find out the fair market value, but an appraisal means so much more than just the value when it comes to the home buying process.
(click play above) In today’s episode of the Mortgage Guide Podcast we cover what lenders are looking for when reviewing your credit report, and the things that DON’T show on your credit report as well.
Demonstrating the ability to repay is perhaps the most important piece of getting approved to buy a house. Here is why.
Sellers concessions can bring life to a dead deal. Here are the things you need to know about getting seller concessions negotiated into your home purchase contract. BalanceProcess.com – Bringing balance to the home buying process.
In today’s episode of the mortgage guide podcast we cover the basics of what lenders are looking for when evaluating a possible pre-approval: income, credit, assets, and property. Learn more at BalanceProcess.com
(click play above) There are some specific things you should NOT be doing after you get pre-approved for a mortgage. In today’s episode we cover the classic mistakes a borrower can make when.
What you need to know about building a house with an FHA Construction to Permanent One Time Close Loan. Full article here: https://www.balanceprocess.com/fha-construction-loan/ Keep in mind, there are limits to loan amounts for FHA in every county, check your county here: https://www.fha.com/lending_limits
Buying a home with seller financing on a land contract is not for everyone. In this episode I cover what you need to know about buying a house on land contract, and how to successfully refinance out of it when it’s time. You can also learn more at https://www.balanceprocess.com/what-is-a-land-contract/
Everything you need to know about getting a portfolio loan. Portfolio loans are a perfect opportunity for borrowers seeking home financing, but don’t fit within normal lending guidelines. Here are some scenarios where a portfolio loan might be a good fit: Recent credit issue – Bankruptcy, foreclosure, short sale, ect. – but now back on […]
Episode 1 of the Mortgage Guide podcast. Building credit is crucial when seeking home financing. Here are some tips to carry with you.