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Over 20 years in the mortgage industry, I.AM Lending has seen the good times, the down times, the rebound and the recession in one of the fastest moving markets in the country and we are ready to help you!

I.AM

Current Government ID for all applicants
30 days of paystubs
60 days of statements from assets accounts used for funds to close
Mortgage statement for any properties that will be retained

Get Qualified

You're ready to buy a home, CONGRATULATIONS, this is an exciting time! If this is your first home, it can also be a confusing time. Do I find the home first and then apply for financing? Should I apply with a bank or a broker? Do I qualify for down payment assistance? What is the minimum amount I can put down? What is mortgage insurance and do I need it? I am self employed and write off business expenses on my tax returns, can I still qualify? There are so many questions to ask when it comes to financing a home purchase, but the most common question is "What will my rate be"?

'What will my rate be' is an important question, but you ask it because you aren't exactly sure what else you should be asking. A better question is "What monthly payment am I comfortable with"? or "I only intend to be in the home for 3 years, should I look at adjustable products"?

Working with I.AM. Lending, we not only hold your hand through the process, but we make sure you are fully educated about your options so you are able to make the best decision for your scenario.

"Should I find a property first and then apply for financing"?

The Answer: No!

Times have changed and in the current market, its almost a requirement that you secure financing prior to searching for a property. Not only will most real estate agents (Yours and the seller's) require a pre-approval letter to accept your offer, but you risk loosing your deposit if you get into contract and your financing is not solidified. Its also very important you know how much home you qualify to purchase, so you and your agent know what price points you should be shopping.

Fixed rate mortgage
Adjustable rate mortgage
Jumbo/ Super Jumbo mortgage
Non-Conforming mortgage
Down Payment Assistance
Purchase money second
FHA & VA

If you are an investor or want to become one, we have four letters for you....

Current Government ID for all applicants
Mortgage statement for primary residence
Home owners insurance for primary residence
60 days of statements from assets accounts used for funds to close/ Reserves

Get Qualified

While we offer many ways to qualify an investor, this program by far is the best. The DSCR program uses only your history of on time mortgage payments and the rent from the subject property to qualify. No personal income and no personal liabilities considered.

How could it be easier to qualify?

Debt Service Coverage Ratio

DSCR
FHA*
Commercial
Hard money
Portfolio

*Can be used for income generating primary residence

Get Qualified

Current Government ID for all applicants
30 days evidence of income
Most recent two years of 1099s/ tax returns
60 days of statements from assets accounts used for funds to close/ Reserves

Non conforming loans are products that allow us to lend to borrowers who fall outside of conforming guidelines. For example: Borrowers who are self employed write off business expenses that greatly reduce their income for tax purposes. In the conforming world, the borrower could only qualify with the income they are paying taxes on, thus reducing the loan amount they qualify for.

Our non conforming self employment programs allow us to use alternate documentation to verify the income actually received.

Another popular product we offer is for borrowers who file their taxes with an ITIN. This program allows us to lend to borrowers who are not citizens of the United States, but pay taxes on the income they receive.

We also offer products for foreign national, mixed use residential/ commercial property, non-warrantable condos, manufactured housing, asset depletion, and more!

Self employed
ITIN
Foreign national
Non-warrantable condo
Manufactured home
Asset depletion
More!

NMLS #1485419

Brie Jones

There are many reasons to refinance:

Get My Rate

Current Government ID for all applicants
30 Days of paystubs from all employment
Most recent two years of W2's/ 1099s
Current mortgage statement
Home owners insurance

"Should I find a property first and then apply for financing"?

The Answer: No!

Times have changed and in the current market, its almost a requirement that you secure financing prior to searching for a property. Not only will most real estate agents (Yours and the seller's) require a pre-approval letter to accept your offer, but you risk loosing your deposit if you get into contract and your financing is not solidified. Its also very important you know how much home you qualify to purchase, so you and your agent know what price points you should be shopping.

You're ready to buy a home, CONGRATULATIONS, this is an exciting time! If this is your first home, it can also be a confusing time. Do I find the home first and then apply for financing? Should I apply with a bank or a broker? Do I qualify for down payment assistance? What is the minimum amount I can put down? What is mortgage insurance and do I need it? I am self employed and write off business expenses on my tax returns, can I still qualify? There are so many questions to ask when it comes to financing a home purchase, but the most common question is "What will my rate be"?

'What will my rate be' is an important question, but you ask it because you aren't exactly sure what else you should be asking. A better question is "What monthly payment am I comfortable with"? or "I only intend to be in the home for 3 years, should I look at adjustable products"?

Working with I.AM. Lending, we not only hold your hand through the process, but we make sure you are fully educated about your options so you are able to make the best decision for your scenario.