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.
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.
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 the rate-watch promise.
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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Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026