Check out new mortgage rates from all our partners LIVE as rate sheets are issued every morning! Hosted by Nick Hiersche - President & Founder of The Mortgage Calculator and Jose Gonzalez - Sales Manager. For more info visit https://themortgagecalculator.com About The Mortgage Calculator: The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more! Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. A licensed Loan Officer is only a phone call or zoom meeting away and always available to assist borrowers throughout the loan application process all the way to closing. To apply for a mortgage please visit our Quick Mortgage Quote Page at https://themortgagecalculator.com/Mortgage/QuickQuote The Mortgage Calculator is a registered DBA of Mortgage Calculator Company LLC. NMLS ID #2377459. Programs and rates are subject to change without notice. Mortgage Calculator Company LLC is licensed in the following states that require specific licensing disclosures: AZ (#1040352), CA CFL (60DBO-171188), GA Georgia Residential Mortgage Licensee (#2377459), IL MB.6761755 Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601 1-888-473-4858. Not licensed or conducting business in New York.
In this episode of Daily Mortgage Rates LIVE, we focus on Limited-Review Condo Loans, a specialized financing option designed for buyers looking to purchase condos without going through the full, often complex, condo project review process. Limited-Review Condo Loans streamline the approval process, making it faster and easier for qualified borrowers to secure financing, especially in established, low-risk condo communities.
In this episode of Daily Mortgage Rates Live, we take a deep dive into Bank Statement Loans, a flexible mortgage option designed for self-employed individuals, freelancers, and those with non-traditional income streams. If you’ve ever struggled with qualifying for a mortgage because your tax returns don’t reflect your true income, this episode is for you!
We’ll walk through how Bank Statement Loans work, explaining how len...
In this episode of Daily Mortgage Rates Live, we’re shedding light on Foreign National Borrower Loans—a specialized lending option for non-U.S. citizens looking to invest in or purchase property in the United States. With real estate being one of the most sought-after investments, especially for international buyers, understanding the ins and outs of Foreign National Loans is crucial for both lenders and potential borrowers.
In this insightful episode of Daily Mortgage Rates Live, we’re tackling an important yet often overlooked topic in the mortgage world—ITIN Borrower Loans. These loans cater to individuals who lack a Social Security Number but hold an Individual Taxpayer Identification Number (ITIN), offering a critical pathway to homeownership for non-U.S. citizens.
We'll break down everything you need to know about ITIN loans, starti...
In this episode of Daily Mortgage Rates LIVE, we dive into the world of Profit & Loss (P&L) Loans, a powerful option for self-employed borrowers and business owners who rely on alternative forms of income documentation. Instead of traditional tax returns, P&L loans allow borrowers to use their profit and loss statements to prove income stability and qualify for financing.
We’ll discuss the ins and outs of these...
In this episode of Daily Mortgage Rates LIVE, we explore the rising interest in CDFI No Income Verification Loans, an innovative financing option that’s changing the game for borrowers with unconventional income streams. CDFIs (Community Development Financial Institutions) are known for their mission to provide more flexible lending solutions, and their No Income Verification Loans offer a unique pathway for borrowers who don’t fit...
In this episode of "Daily Mortgage Rates LIVE," we’re diving into the world of 2nd Mortgage HELOCs (Home Equity Lines of Credit), a flexible financing option that allows you to tap into your home's equity whenever you need it. If you’re looking for a way to fund a renovation project, cover education expenses, or even consolidate debt, a HELOC could be the perfect solution.
2nd Mortgage HELOCs work like a cre...
In this episode of "Daily Mortgage Rates LIVE," we explore an exciting opportunity for homeowners looking to make the most of their home equity—2nd Mortgage HELOANS (Home Equity Loans). If you've been wondering how to leverage the value in your home for big projects, debt consolidation, or other financial needs, this episode is a must-listen!
2nd Mortgage HELOANS allow you to tap into your home's equity...
In this episode of "Daily Mortgage Rates LIVE," we’re tackling a topic that gives hope to many aspiring homeowners: Low FICO Score Loans. If you’ve been struggling with a less-than-perfect credit score and think homeownership is out of reach, think again—this episode is for you!
Having a low credit score doesn't have to be the end of your dreams of buying a home or refinancing your mortgage. Low FICO Score L...
In this episode of "Daily Mortgage Rates LIVE," we’re diving into the world of Low and No Ratio DSCR Loans—an innovative approach to real estate financing designed specifically for savvy investors.
Whether you’re an experienced real estate investor looking for more flexibility or just starting out, Low and No Ratio DSCR (Debt Service Coverage Ratio) Loans could be the game-changer you've been searching for. ...
In this episode of "Daily Mortgage Rates LIVE," we uncover the untapped potential of Bank Statement Loans—an unconventional yet powerful financing option for self-employed individuals and business owners.
Tired of traditional loan applications rejecting you due to fluctuating income? Bank Statement Loans could be the answer. Join our expert hosts as they dive deep into how this unique mortgage option works, who c...
In this episode of Daily Mortgage Rates LIVE!, we’re uncovering the ins and outs of one-time close construction loans. If you’re dreaming of building your own home or embarking on a new construction project, this episode is designed for you. Join us as we explore how one-time close loans streamline the financing process by combining both the construction and permanent financing into a single loan.
We’ll discuss the advanta...
In this episode of Daily Mortgage Rates LIVE!, we’re exploring the transformative power of renovation loans. If you’ve got your eye on a fixer-upper or want to enhance your current property, this episode is a must-listen. Join us as we discuss the various types of renovation loans available, from FHA 203(k) loans to Fannie Mae HomeStyle options, and how each can help you fund your dream renovation.
We’ll delve into the ben...
In this episode of Daily Mortgage Rates LIVE!, we’re diving deep into the intriguing world of blanket (portfolio) loans. If you’re an investor managing multiple properties, this financing solution could be your ultimate key to streamlining your investment strategy. Join us as we explore how blanket loans consolidate multiple mortgages into one, simplifying your financing and potentially saving you both time and money.
We&a...
In this episode of Daily Mortgage Rates LIVE!, we’re diving deep into the world of short-term rental property loans. With the rise of platforms like Airbnb and VRBO, investing in short-term rentals has never been more enticing—but how do you secure the right financing? Join us as we unpack everything you need to know about short-term rental property loans, from understanding different financing options to identifying the best lende...
In this episode of Daily Mortgage Rates Live, we shine a light on a unique mortgage solution—ITIN Loans. If you don’t have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN), this episode is for you! We’ll explain how ITIN loans work, who qualifies, and why they’re a great option for non-U.S. citizens or undocumented immigrants looking to achieve their dream of homeownership. You’ll learn about th...
If you’re an independent contractor, freelancer, or self-employed and receive a 1099 instead of a W-2, you know the struggle of securing a mortgage without traditional income documentation. In this episode of Daily Mortgage Rates Live, we’re unpacking 1099 Loans, a flexible solution designed specifically for those who don’t have a conventional paycheck. We’ll discuss how lenders evaluate your income based on your 1099 forms, tax re...
In today's episode of Daily Mortgage Rates Live, we’re diving into a powerful and flexible financing tool—Asset Utilization Loans. If you're sitting on significant assets but lack the traditional income streams that banks typically look for, this episode is for you! We’ll break down how these innovative loans work, who qualifies, and why they could be a game-changer for entrepreneurs, retirees, and high-net-worth individu...
Welcome to Daily Mortgage Rates LIVE! In today’s episode, we’re focusing on VA loans—a powerful home financing option available to veterans, active duty service members, and their families. If you’ve served in the military or are currently serving, this episode is a must-listen.
We’ll delve into the unique advantages of VA loans, including the benefits of no down payment, competitive interest rates, and no private mortgage...
Welcome back to Daily Mortgage Rates LIVE! In today’s episode, we're exploring USDA loans—a fantastic financing option for those looking to buy a home in rural or suburban areas. If you’ve ever wondered how to make homeownership more accessible in less populated regions, this episode is for you!
We’ll break down what USDA loans are, how they work, and why they’re an excellent choice for eligible buyers. From zero down...
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