USA Mortgages
Your full service lender for all of the USA
We specialize in providing the best possible service for people from all professions. Below is a sampling of our know-how for a few of the professions.
Construction Trades
- Plumbers, Carpenters, Electricians, Masons, Ect.
Providing home mortgages for individuals in the trades can pose some challenges. Due to the nature of the construction seasons, there are quite often winter layoffs or work slowdowns. During these times the trade professional may collect unemployment benefits. Many times a tradesman may work out of a union hall. On paper this may seem like this person has been in & out of too many jobs. We understand the nature of the construction trades and have the resources to work around these difficulties.
Teachers
Due to the very nature of the employment year for teachers, the need to accurately calculate the proper year to date total wages earned can be difficult for lenders not well versed in your career. Some employers pay as you go, which means that there is not a summertime income. Other employers pay throughout the year. Knowing the difference can mean the savings of thousands of dollars over the course your loan.
Firefighters and Law Enforcement
Many Firefighters and Law Enforcement officials have schedules that are very different to the general workforce. These schedules can be very advantageous in calculating your income ratios. Firefighters and Officers often use the time off to pursue other types of work. Many are self employed in some way or another. This knowledge has helped many Firefighters and Officers to qualify for a mortgage that may have been declined due to a high debt ratio.
Self Employed and Entrepreneurs
The self employed enjoy many tax benefits. Whether it is deducting a portion of your home or having a company vehicle. Unfortunately being able to take deductions may make it appear that your income is lower that it actually is. This may pose a difficulty in the debt ratio analysis for your mortgage. We have loan programs that are designer specifically for the self employed.
Professionals
- Lawyers, Attorneys, Physicians, Nurses, Veterinarians, Doctors, Ect.
Many Professionals work as an employee, many do not. Knowing this can save a lot of time in the mortgage approval process. It is not uncommon for some professionals to work in excess of 80 hours a week. Your time is valuable, we know how to put together a mortgage that is tailored to your needs. We can work around your busy schedule.
© 2004 USA-HomeMortage.com | equal housing | terms of use | privacy
