Borrower Scenarios

Real-life mortgage situations we help Pennsylvania borrowers solve: self-employed income, investment properties, gifts of equity, and more.

Buying a Family Home With a Gift of Equity in Pennsylvania

Buying a home from your parents or another eligible family member can open up a financing option that does not involve a traditional cash gift

Keep Your Current Home as a Rental and Buy Another in Pennsylvania

Before you count future rent toward a new mortgage, review how the lender will document it and how your current home affects qualification.

Non-Warrantable Condo Financing in Philadelphia and the Suburbs

Condo financing involves more than your income and credit. The lender also reviews the condominium project.

Delayed Financing After a Cash Home Purchase in Pennsylvania

If you bought a home with cash, delayed financing may allow you to obtain a mortgage and recover some of your documented investment without meeting the usual ownership waiting period.

1099 Mortgage Options for Pennsylvania Independent Contractors

Gross 1099 income and mortgage qualifying income are not always the same. Compare documentation options before assuming a standard mortgage will not work.

Asset Depletion Mortgage Options in Pennsylvania

A strong asset balance can play several roles in mortgage approval. Learn how asset-based qualification differs from reserves and retirement distributions

Buying a Duplex or Multifamily Home to Live In Near Philadelphia

House hacking starts with the right property and financing. Learn what to review when buying a two- to four-unit home as your primary residence.