Alternative Income Mortgages

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Are you looking for an alternative to traditional income qualifications for a mortgage? You've found one of the best with US Mortgages! US Mortgages is one of the pioneers for alternative income mortgages.

Learn more about options to qualify for a mortgage without having to provide tax returns/W2's or the traditional methods used by FNMA & FHLMC. The loans we offer, who is eligible and how to get started are as easy as clicking on the link below.

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Who Benefits from Alternative Income Mortgages?

It is easy to understand why alternative income mortgages have seen such a rise in popularity recently. With economic growth comes a wide range of potential borrowers with good, steady employment, but who may also have difficulty providing an exact figure for their monthly and annual incomes.

Alternative income loans are perfect for people who are self-employed, or for the entrepreneurial investor with cash on hand. For example, many people whose income comes primarily from real estate investment can be considered self-employed and may have trouble securing an additional mortgage because their debt to income ratio would prevent them from purchasing another investment property.

Let us be Your Colorado Alternative Income Mortgage Lender. US Mortgages has been a creative and out of the box mortgage lender since 1996. Let us know how to reach out to you, or give us a call to let us begin improving your family's financial situation with an alternative income loan today.

Are Stated Income Loans Still Available to Homeowners?

Stated income loans are no longer available to borrowers due to the change in lending laws. However there are options for those with strong assets and or cash flow to be able to qualify and obtain a mortgage to buy or refinance a property. Rather than requiring 2yrs of Federal Income Taxes and or W2s we offer a range of options that provide a solution as well as favorable rates to help those who are unable to meet qualifications in a traditional manner. Good credit, verifiable employment, verifiable assets and a variety of other qualifying factors could be your answer.

While income will not be verified, buyers must be prepared present their full credit history, and make a much more sizeable down payment. Many buyers though, particularly those who are self-employed, and/or have large reserves of cash on hand, find that the larger down payment is well worth not having to go through the complicated process of proving their income.

Let us know how to get in touch with you to assess your financial situation and see if you and your family qualify for an alternative income loan through US Mortgages.

My husband and I are extremely pleased with our experience with US Mortgage and especially the assistance we received from Zachary Gloyd.

Mary L.

Heidi was - #1 Professional, she answered every question I had and when we were done, she asked if there was anything else I could think of. #2 she followed several times during the process to see if I needed anything or if anything else had come up. #3 she would randomly check in to make sure everything was in order and help me with any documents that they needed to close.

It was just an awesome experience!!

Adam C

Heidi and her team were terrific to work with. The communication was exceptional. Every step of the way went exactly as she said it would. There was no hard sell, Heidi laid out what they could do for us and our mortgage options in a straightforward manor. I would not hesitate to use the company again and will recommend her to anyone needing a mortgage.

Thad P.

I had a great experience with US Mortgages. I got a great rate and considering the difficult times we are in the process was pain free.

Will S.

David McKune and Debbie Johnson did a wonderful job with my loan. David may have played in instrumental part in my actually getting the bid on my house accepted in the first place.

Sonia L.

We worked with Heidi to refinance our home. She was easy to work with, responded to all our questions in a timely manner, and kept us well informed during the process. Best of all there were no surprises.

Paul N.

I have had the pleasure of working with Marcy 3 times over the past 6 years to address my mortgage needs, and I couldn't be more impressed with her expertise and professionalism. Thanks to her hard work and dedication I was able to secure exactly what I needed to achieve my mortgage goals. I highly recommend Marcy to anyone seeking outstanding service and results!

Gabriele G.

The entire process from beginning to end was smooth. The team is very knowledgeable, professional and efficient. Thank you US Mortgages and team.

Bernice G.

I queried 4 lenders before deciding on US Mortgages for my refinance. The process from initial contact to funding of my new loan was completed in 2 1/2 weeks!

Carol H.

US Mortgages receives a full five stars from our family! David McKune and Debbie Johnson are rock stars in the Mortgage world. They both provided exemplary customer service.

Kidron B.

Alternative Income Mortgages

Our Services

Who Benefits from Alternative Income Mortgages?

Are Stated Income Loans Still Available to Homeowners?

Find Out Which Home Loan is Right for You

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