Some loans fall through the cracks for reasons that have nothing to do with the borrower’s real ability to successfully repay the loan. A client might have strong equity, reliable income, and a solid plan, yet the moment their debt-to-income ratio rises above a tight guideline, the bank shuts the door. It is a frustrating experience for borrowers and brokers who know the deal makes sense.
That is where our approach stands apart: We do not solely rely on DTI calculations, and we do not require traditional income documentation. Instead, we look at the property, the equity, and the purpose of the loan. When those pieces align, we can move quickly with creative financing programs!
We often help self-employed clients who have fluctuating income, borrowers carrying personal or business debt, and frankly anyone who has been denied by a conventional lender due to high DTI ratios. With at least 25% downpayment for purchases and 35% equity for refinances, we can offer a clear path forward without the delays and obstacles of bank underwriting.
When a borrower has equity and a clear plan, we work to create a solution that gets the deal done.
For more information. Please feel free to send us a message or visit our website.
Husband & Wife Team Phone: 707‑708‑0797 / Office: 1400 N. Dutton Ave #22 Santa Rosa, CA 95401 Ken: CA DRE Broker #01858042 / NMLS #1221130 Ari: CA DRE #01858152 / NMLS #2170867 Ken & Ari are a husband & wife team with combined 3+ decades in real estate and private money industries. They own Pacific Direct Mortgage & Real Estate, specializing in Private Money loans (also known as Hard Money home loans). Having helped thousands of Borrowers & working directly with Brokers, Agents and Lenders to help when needed with fast, flexible, alternative financing for real estate purchases and refinances throughout California. No issues with DTI ratios, credit issues, property condition, difficult to prove income ‑ we want to help!
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