Non-QM Solutions with Change Wholesale

Yes! You Can Buy a Home with Keith Goeringer

In this episode, mortgage industry veteran Keith Goeringer sits down with Mark Leusner from Change Wholesale to explore innovative non-QM lending solutions.
Mark shares insights into Change Wholesale's unique programs that can help qualify borrowers who fall outside of traditional mortgage guidelines. Learn about alternative documentation methods using bank statements, one-year tax returns, and even no-income-required options.
Discover how products like DSCR (Debt Service Coverage Ratio) loans and the CDFI (Community Development Financial Institution) program can provide competitive advantages for your clients. Keith and Mark dive deep into the details of these specialized lending products and discuss how they can unlock homeownership for a wider range of borrowers.
If you're looking to expand your toolkit and better serve clients with non-traditional income or credit profiles, this episode is a must-listen. Gain the knowledge and confidence to explore alternative lending solutions that can make the dream of homeownership a reality.

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1. Introduction to the Podcast and Guests (00:00:00)

2. Overview of Change Wholesale's Non-QM Products (00:01:08)

3. Unique Features of Bank Statement Loan Programs (00:03:18)

4. One-Year Tax Return and W2 Qualification Options (00:07:12)

5. Understanding Debt Service Coverage Ratio (DSCR) (00:09:40)

6. Alternative Qualification Methods: Air DNA and Rentalizer (00:13:04)

7. The CDFI Program: No-Doc Lending for Primary Residences (00:17:16)

8. Importance of Comprehensive Client Interviews (00:25:12)

9. Closing Thoughts and Next Steps (00:28:21)