Are you planning a divorce? What you need to know before you apply for a home loan
A successful producer applied for a home loan and ran into difficulties. Her business manager knows I specialize in getting difficult...
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Holly Gustlin
- Mar 15, 2019
- 2 min
Why is it so hard to get a loan because I pay support to my ex?
If you pay alimony or child support, will you be able to get a home loan? Does it matter if your lender deducts alimony obligations from...
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Holly Gustlin
- Mar 12, 2019
- 2 min
Help! I am self-employed and the bank declined my home loan. What can I do?
So, you are self-employed; you make good money; you know you can afford the payment for the home you want to buy. You’re excited to buy...
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Holly Gustlin
- Mar 12, 2019
- 3 min
Do your bank statements verify your cashflow better than tax returns?
If a bank will not approve your loan because their analysis of your tax returns does not verify enough income to qualify by their...
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Holly Gustlin
- Mar 12, 2019
- 2 min
Has the Bank Declined Your Loan? You May Qualify with These Loan Programs
If the bank declined your loan for one of these reasons, there is hope! A 2-year average of the income reported on your tax returns does...
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Holly Gustlin
- Mar 12, 2019
- 3 min
Is it true that I need 20% down to buy a home?
Absolutely false! There are many programs that will help you buy a home with less than 20% down. There are two ways to buy a home with...
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Holly Gustlin
- Mar 7, 2019
- 2 min
Insider Secrets – Solutions for Self-employed people applying for home loans – Intro article
This series of articles will teach you enough about what underwriters do with self-employed borrowers so that you can prepare for loan...
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Holly Gustlin
- Mar 7, 2019
- 0 min
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Holly Gustlin
- Mar 7, 2019
- 2 min
Why many lenders decline loans if you own an S-Corp or Partnership, (Here is what you need to kno
S-Corps. And Partnerships Many people think that lenders use their taxable income to qualify them for a home loan. If you own 25% or more...
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Holly Gustlin
- Mar 7, 2019
- 3 min
Why people in the Entertainment industry often have trouble getting home loans, and what you can
I have a friend who is a mortgage broker. She had a client who is a very successful character actor, and had many W-2’s and some 1099’s....
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Holly Gustlin
- Mar 7, 2019
- 2 min
How deducting Meals expenses can hurt your home loan, and what to do about it
Did you know that when you write off meals expense you can only write off half of the actual expense, but lenders deduct the full...
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Holly Gustlin
- Mar 7, 2019
- 2 min
C-Corps. – The good, the bad and the ugly when you apply for a home loan
If you own less than 100% of your business, filing your taxes as a C-Corp. rather than electing an S-Corp. may hurt your ability to get a...
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Holly Gustlin
- Mar 7, 2019
- 2 min
How investment property deductions can kill your loan approval, and what to do about it
Before the liquidity crisis that began in 2007, if investment properties showed a loss on your taxes, lenders deducted that amount from...
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Holly Gustlin
- Mar 7, 2019
- 1 min
In case of emergency, break glass!
In case of emergency, break glass! (If you cannot get a loan using tax returns, what you need to know about Bank Statement home loan...
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Holly Gustlin
- Mar 5, 2019
- 2 min
If the bank declines your loan, here are some options that may help you
If the bank declined your loan for one of these reasons, there is hope! A 2-year average of the income reported on your tax returns does...
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Holly Gustlin
- Mar 2, 2019
- 2 min
Insider Secrets – Solutions for Self-employed people applying for a home loan
This series of articles will teach you enough about what underwriters do with self-employed borrowers so that you can prepare for loan...
9 views0 comments
Holly Gustlin
- Feb 13, 2019
- 3 min
Why people in the Entertainment industry often have trouble getting home loans, and what you can do
I have a friend who is a mortgage broker. She had a client who is a very successful character actor, and had many W-2’s and some 1099’s....
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Holly Gustlin
- Feb 10, 2019
- 2 min
How Points Work – to pay or not to pay, that is the question
What is a “Point” in lending? What does it mean when the bank suggests you “buy down the rate”, and does it make sense to do that? If you...
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Holly Gustlin
- Feb 9, 2019
- 2 min
Why many lenders decline loans if you own an S-Corp or Partnership, (Here is what you need to know t
S-Corps. And Partnerships Many people think that lenders use their taxable income to qualify them for a home loan. If you own 25% or more...
2 views0 comments
Holly Gustlin
- Feb 8, 2019
- 2 min
How investment property deductions can kill your loan approval, and what to do about it
Before the liquidity crisis that began in 2007, if investment properties showed a loss on your taxes, lenders deducted that amount from...
4 views0 comments
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