For Tax Professionals

What do I do for your clients?

I take the complexity in your clients' returns and turn it into a clean, well-documented loan file. I read K-1s, business returns, and add-backs, calculate qualifying income carefully, and document it so underwriting holds up. The goal is a file that reflects what your client actually earns, not a number that shortchanges them.

Why work with me?

I do not flinch at self-employed income. I am comfortable with multiple entities, depreciation and other non-cash add-backs, and the documentation underwriters want, and I am responsive and clear with you and the client. Because I shop many lenders, I can match a complex file to the right program rather than default to the priciest one.

How do you handle business owners and complex returns?

Carefully, line by line. For owners with K-1s, multiple entities, and depreciation or similar non-cash deductions, I calculate qualifying income from the actual returns and add back what guidelines allow. Done right, many business owners can use conventional financing rather than getting steered into pricier non-QM. I am glad to read the file with you.

What about a 1099 client whose write-offs lowered their income?

That is the classic tension: minimizing taxable income can also lower the income a lender is able to use. There is no single right answer, and the tax strategy is yours and the client's, but it helps to have the conversation before they buy. Year-round, I am glad to talk through how a given year's return may read to underwriting.

How do we work together?

Send me the client who is self-employed, owns a business, or is planning ahead for a purchase, and loop me in on timing questions when they come up. There is no arrangement and nothing exchanged, just a loan officer who can read a return. The easiest start is to connect on a real file.

Frequently asked questions