Have Any Questions?

A mortgage broker gives you access to multiple lenders — not just one institution’s products. This means more flexibility to find financing that aligns with your goals, property type, and long-term plans. At Auntie Mortgage Group, we focus on guidance and communication so you can navigate the process with confidence.

The name “Auntie” reflects how we operate — as trusted advocates who guide important financial decisions with personalized support and transparency. We believe financing should feel educational and solution-focused from your first consultation through closing.

The process typically moves through these stages:
- Consultation
- Pre-approval
- Documentation review
- Loan processing
- Underwriting
- Final approval and closing

Absolutely. We enjoy helping first-time buyers understand their options and feel confident at every stage of the mortgage process — from initial questions to closing day.

Down payment requirements vary by loan type, credit profile, property type, and intended occupancy. Some programs offer low down payment options for qualified borrowers. We help you explore solutions built around your specific situation.

Student loans don’t automatically prevent you from qualifying. Lenders look at your full financial picture — including income, debt-to-income ratio, credit profile, and overall stability — so financing options may still be available.

The right choice depends on your financial goals, timeline, and local market. Buying may offer benefits like building equity, stable payments, tax advantages, and long-term wealth. Renting provides more short-term flexibility. A free consultation can help clarify which path fits your situation.

Yes. We work with lenders offering flexible programs for entrepreneurs, business owners, independent contractors, and commission-based professionals. Options may include bank statement programs and alternative income documentation.

Many self-employed borrowers qualify without providing tax returns. Alternative documentation options include:
- Bank statement loans (personal or business)
- Asset-based loans
- DSCR loans (for investment properties)
- Profit and loss statement loans

A Non-Qualified Mortgage (Non-QM) is a loan that doesn’t follow standard Qualified Mortgage guidelines. It’s designed for borrowers who don’t fit conventional underwriting — such as self-employed individuals, real estate investors, retirees, and freelancers. Instead of relying solely on tax returns and W-2s, Non-QM lenders may use bank statements, rental income, assets, or property cash flow.

DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property generates enough income to cover its mortgage and related expenses. The formula: divide monthly rental income by total monthly debt obligations. Example: $3,000 rental income ÷ $2,500 in mortgage/taxes/insurance/HOA = DSCR of 1.20. A ratio above 1.0 means the property covers its costs. Most lenders prefer 1.0–1.25 or higher.

A DSCR loan qualifies borrowers based on a property’s cash flow rather than personal income. Lenders review rental income, credit score, down payment, property type, and cash reserves — not W-2s or tax returns. For long-term rentals, lenders use a lease agreement. For Airbnb or vacation rentals, they use a short-term rental income analysis.

Yes. Many DSCR lenders don’t require W-2s, pay stubs, tax returns, or employment verification. Approval is typically based on property income, credit score, down payment, and liquidity — making these loans especially attractive for self-employed and full-time real estate investors.

Most lenders require a minimum of 620–680, though requirements vary:
620–659: May require a larger down payment or higher rate
660–699: Standard qualification range
700+: Best rates, higher loan limits, more flexibility

Most DSCR purchases require 20–30% down:
20%: Strong borrowers with good credit
25%: Most common requirement
30%+: Lower credit scores or unique property types

Yes. Many DSCR lenders accept Airbnb and short-term rental properties using Airbnb income history, short-term rental appraisals, or market rent analysis. Eligible properties include Airbnb homes, VRBO rentals, vacation cabins, and condos.

Yes. Common DSCR refinance options include rate-and-term, cash-out, portfolio, and short-term rental refinances. Investors often use DSCR cash-out refinancing to pull equity from existing properties and fund additional purchases.

DSCR loans are designed for income-producing properties:
- Single-family rentals, condos, townhomes
- Duplexes, triplexes, fourplexes
- Multifamily and apartment buildings
- Airbnb and vacation rentals
- Mixed-use properties (in some cases)

A commercial real estate loan finances the purchase or refinance of income-producing properties — including multifamily buildings, mixed-use properties, and commercial investments such as retail, office, or industrial spaces.

We assist with financing for a wide range of property types:
- Multifamily and apartment buildings
- Office and medical/dental offices
- Retail strip centers
- Industrial properties
- Mixed-use buildings