MORTGAGE, explained like a human.
No jargon, no fluff. These are the answers I give clients on the phone - written down so you can read them at your own pace, send them to your spouse, and decide what to do next.
How Self-Employed Buyers Get a Mortgage in Texas
The playbook: which Non-QM programs work for 1099, business owners, and gig income — and what underwriters actually look at.
Bank Statement Loans in Texas: How Self-Employed Buyers Qualify
Use 12-24 months of deposits instead of tax returns. Who it's for, what to expect on rate and down payment.
The DSCR Loan Strategy Investors Use to Bypass Income Limits
How investors use DSCR loans to keep buying after conventional lending taps out. The ratio, the requirements, and the honest tradeoffs.
DSCR Loans Explained: Qualify on the Rent, Not Your Tax Returns
The investor workhorse. DSCR math, LLC vesting, short-term-rental nuance, and the property-count question.
ITIN Mortgages: Buying a Home Without a Social Security Number
Real fixed-rate ITIN loans, down payments from 3.5%, and how mixed-status families qualify.
Do You Really Need 20% Down? (No - Here's the Math)
3%, 3.5%, 0%. Gift funds, down-payment assistance, and why low-down + smart refi often wins.
Buy Now, Refinance Later: The Strategy Most Buyers Miss
Why waiting for the perfect rate usually costs more. Break-even math, refi cash needed, and how the rate-watch works.
Is Non-QM the Same as Subprime? (No.)
Modern Non-QM is not 2007 subprime. Credit floors, documentation, and why brokers carry these programs.
The First-Time Homebuyer Timeline: From 'Am I Ready?' to Keys
Readiness, credit prep, pre-approval, hunting, and the 21-day contract-to-close path - step by step.
Fix & Flip and Bridge Loans: Short-Term Capital for Investors
How short-term project capital works, fix & flip vs bridge, and the exit strategy lenders want to see.
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Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
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Full secure application in ~12 minutes. Get your documents in and we'll aim to have a pre-approval letter to you soon after.
Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026