Mortgage Scenarios
Expert mortgage solutions for every situation
Mortgage During Divorce Proceedings
Divorce proceedings can be emotionally draining, and navigating your mortgage during this time can feel like an added burden. You're not alone in this
Buying a House After Divorce
Divorce is a significant life change, but it doesn't have to mean sacrificing your dream of homeownership. At National Mortgage Home Loans, we underst
Refinance After Divorce Settlement
Divorce is never easy, but dealing with the mortgage can be one of the most stressful parts. You're not alone in feeling overwhelmed by the financial
Keeping the House in a Divorce
Divorce can be a challenging and emotional experience, especially when it comes to deciding what to do with your family home. You're not alone in wond
Buying a Home After Separation
Divorce or separation is never easy, and buying a new home can feel like an overwhelming task on top of it. You're not alone in feeling uncertain abou
Removing Your Ex-Spouse from the Mortgage
Divorce is tough enough without the added stress of a shared mortgage. You're not alone in feeling stuck with a loan that no longer matches your reali
Getting a Mortgage 2 Years After Bankruptcy
Rebuilding your financial future after bankruptcy takes courage. Two years later, you're taking another significant step toward homeownership. Your de
Freelancer Mortgage Approval
As a freelancer, you're used to navigating uncertainty, but when it comes to securing a mortgage, the process can feel overwhelming. You're not alone
Mortgage After Bankruptcy Has Been Discharged
You've taken the first step towards financial recovery by discharging your bankruptcy. Now, you're ready to rebuild and own a home of your own. We und
1099 Contractor Home Loan
As a 1099 contractor, you're used to navigating complex projects, but securing a home loan can feel like uncharted territory. You're not alone in feel
Buying a Home After Foreclosure
Recovering from foreclosure takes courage, and buying a new home is a significant step toward rebuilding. You're not alone in this journey — many have
Side Hustle Income Mortgage
You juggle multiple income streams, and your financial picture isn't straightforward. We get it — traditional mortgage paths often don't fit non-tradi
Buying a Home After a Short Sale
You've taken control of your financial situation after a difficult short sale. Now, you're ready to own again, and there's a clear path forward. At Na
Cash Business Owner Mortgage
As a cash business owner, you're used to being in control, but navigating the mortgage process can feel like uncharted territory. You're not alone in
Self-Employed Mortgage Without Tax Returns
As a self-employed individual, you've worked hard to build your business, but traditional lenders often overlook your true earning potential due to ta
Mortgage After Foreclosure
Rebuilding your financial future after foreclosure takes courage. You're taking the first step toward homeownership again, and that's something to be
Mortgage for 1099 Independent Contractors
As a 1099 independent contractor, you've worked hard to build your business and income. We understand that traditional lenders often overlook the fina
Mortgage for Freelancers with Variable Income
As a freelancer, you've learned to navigate the ups and downs of variable income. Now, you can confidently navigate the mortgage process with lenders
Mortgage After Short Sale
Recovering from a short sale can be tough, and now you're facing the challenge of getting a new mortgage. You're not alone in this struggle, and there
Mortgage with Collections on Credit
Dealing with collections on your credit report can make getting a mortgage feel like an uphill battle. You're not alone in this struggle - many have s
Mortgage for New Business Owners
As a new business owner, you're proving that entrepreneurship runs through your veins. We understand the challenges you're facing, from irregular inco
Late Payments Mortgage Options
Late payments on your credit report can make getting a mortgage feel like an uphill battle. You're not alone in this struggle, and there are mortgage
Buying Your First Home with No Savings
You're not alone in feeling stuck between renting and owning a home with no savings. Many first-time buyers face this same challenge. With the right g
Buying Your First Home with Student Loan Debt
You're not alone in feeling overwhelmed by student loan debt while dreaming of homeownership. Many first-time buyers are in your shoes, and there are
Mortgage with Medical Debt
Medical debt can feel like a significant obstacle when trying to secure a mortgage. You're not alone in this struggle, and there are mortgage options
Mortgage with Charged Off Accounts
Dealing with charged off accounts on your credit report can make getting a mortgage feel like an uphill battle. You're not alone in this struggle, and
Buying Your First Home as a Single Parent
As a single parent, you're juggling countless responsibilities while giving your children the best possible start in life. Finding a stable home for y
First Home for Gig Economy Workers
As a gig economy worker, you've built a career on flexibility and hard work. But when it comes to buying your first home, the traditional mortgage pro
Millennial First Home Purchase
As a millennial first-time homebuyer, you're likely juggling student loans, credit card debt, and the pressure to save for a down payment. You're not
Getting a Mortgage with Collections on Your Credit
Collections on your credit report can feel like a roadblock to homeownership. You're not alone in this struggle, and there are proven paths forward. A
Gen Z Home Buying Guide
As a Gen Z homebuyer, you're likely no stranger to financial uncertainty. Between student loans and rising housing costs, it's tough to know where to
Getting a Mortgage After Late Payments
Late payments can be stressful, but they don't define your entire financial picture. At National Mortgage Home Loans, we understand that unexpected li
Getting a Mortgage with No Credit History
Not having a credit history doesn't mean you're not creditworthy. It means you haven't had the traditional opportunities to build credit. National Mor
Buying a Home with Student Loans
You're not alone in feeling overwhelmed by student loan debt while trying to buy your first home. Many borrowers have successfully navigated this chal
Renting vs Buying Decision
Torn between renting and buying? You're not alone. Many first-time homebuyers struggle to decide what's best for their financial future. Let's explore
Rebuilding Your Credit to Qualify for a Mortgage
Rebuilding your credit can feel like an uphill battle, but you're not alone. At National Mortgage Home Loans, we understand the frustration of past cr
No Down Payment First Home
Buying your first home without a down payment feels like a distant dream, but it's more achievable than you think. Many first-time homebuyers face the
Using Your VA Loan After Deployment
Coming home after deployment is a mix of emotions - excitement to reconnect with loved ones, relief to be back safe, and stress about the future. You'
Mortgage During a Military PCS Move
Receiving PCS orders can be both exciting and overwhelming. You're not just moving to a new duty station — you're navigating a new housing market, oft
Teacher Mortgage Programs
As a teacher, you're dedicated to helping others grow, but navigating the mortgage process can feel like a daunting task. You're not alone in feeling
Using VA Disability Income for a Mortgage
As a veteran with a service-connected disability, you've already made significant sacrifices for your country. Now, we're here to help you understand
Nurse Mortgage Programs
As a nurse, you've dedicated your career to caring for others, but when it comes to your own home financing, navigating nurse mortgage programs can fe
Buying Your First Rental Property
Taking the leap into rental property ownership can feel daunting, especially when you're new to the game. You're not alone in wondering how to turn yo
Police Officer Mortgage Programs
As a police officer, you've dedicated your career to serving and protecting your community. Now, you're looking to build a secure future for yourself
Firefighter Home Loans
As a firefighter, you've dedicated your life to serving others, but navigating the mortgage process can feel like a daunting rescue mission of its own
House Hacking: Buy a Duplex and Live for Free
Are you tired of throwing money away on rent? House hacking with a duplex lets you turn your housing cost into a wealth-building opportunity. By livin
Investment Property with Low Down Payment
Building wealth through real estate shouldn't be delayed by years of saving for a large down payment. You're taking the first step toward turning your
One Income Household Mortgage
Living in a one income household can be challenging, especially when it comes to securing a mortgage. You're not alone in feeling frustrated by the co
Part-Time Income Mortgage
Managing mortgage applications with part-time income can feel like a puzzle you're not sure how to solve. You're not alone in feeling uncertain about
Downsizing Your Home After Retirement
You're not alone in feeling overwhelmed by the thought of downsizing after retirement. Many seniors struggle to balance the emotional aspects of leavi
Using Overtime Income for Mortgage
You work hard for your overtime pay, and it shouldn't be a barrier to getting the mortgage you deserve. Many borrowers struggle to qualify when their
Getting a Mortgage After Changing Jobs
Changing jobs is a leap of faith, and buying a home shouldn't have to wait. At National Mortgage Home Loans, we understand that career growth shouldn'
Buying a Home When Relocating for Work
Relocating for work can be both exciting and overwhelming. You're not alone in feeling uncertain about how to navigate the homebuying process in a new
Commission Only Income Mortgage
As a commission-based professional, getting approved for a mortgage can feel like an uphill battle. You're not alone in feeling frustrated with the tr
Variable Income Mortgage
As a self-employed individual or someone with irregular income, getting approved for a mortgage can feel like an uphill battle. You're not alone in fe
Buying a Home When Getting Married
Combining your lives means combining your finances, but navigating the mortgage process as a newly engaged couple can be overwhelming. You're not alon
New Job Mortgage Approval
Starting a new job is exciting, but the thought of getting a mortgage can be daunting. You're not alone in feeling uncertain about how your new income
Buying a Home to Live with Aging Parents
Caring for aging parents while maintaining your own independence can be a delicate balance. You're not alone in seeking a solution that works for ever
Gap in Employment Mortgage
Losing a job or taking a career break can be stressful enough without worrying about your mortgage prospects. Many people face similar challenges, and
Cash-Out Refi for Debt Consolidation
Are you tired of juggling multiple high-interest debts? You're not alone - many homeowners are turning to cash-out refinance as a strategic solution t
Refinance ARM to Fixed Rate
Are you tired of wondering what your monthly mortgage payment will be with an Adjustable Rate Mortgage? You're not alone. Many homeowners are now seek
FHA to Conventional Refinance
Are you tired of paying too much on your FHA loan? You're not alone. Many homeowners are now looking to refinance to a conventional loan to take advan
VA IRRRL Streamline Refinance
Are you tired of paying too much on your current VA loan? You're not alone. Many homeowners are now eligible for a VA IRRRL Streamline Refinance, pote
Refinance After Home Improvement
You've invested in your home, and now you're wondering how to tap into that new value. It's natural to feel uncertain about the best next step, but yo
Refinance to Remove PMI
Are you tired of throwing money away on Private Mortgage Insurance (PMI) every month? You're not alone - thousands of homeowners are stuck with PMI be
First Rental Property Financing
Taking the leap into your first rental property can be both exciting and intimidating. You're not alone in wondering how to navigate the financing pro
House Hacking Mortgage Strategy
You're taking the first step toward turning your home into a smart investment through house hacking mortgage strategy — a bold move that requires care
Multi-Family Investment Loan
Taking the leap into your first investment property can be both exciting and intimidating. You're not alone in wondering how to navigate the complex w
Airbnb Property Financing
Taking the leap into Airbnb property financing can be both exciting and daunting. You're not alone in wondering if you'll qualify or how to navigate t
Fix and Flip Financing
Fixing and flipping a property can be a lucrative investment strategy, but securing the right financing can be a major hurdle. You're not alone in fee
Portfolio Expansion Loan
Expanding your investment portfolio can be both exciting and daunting. You're not alone in feeling uncertain about navigating the mortgage process for
Mortgage After Retirement
Retirement is a well-deserved milestone, but navigating mortgage options can be daunting. You're not alone in wondering how to tap into your home's eq
Downsizing After Kids Leave Home
As the last child leaves home, the family home that once buzzed with activity can feel empty and overwhelming to maintain. You're not alone in wonderi
Relocation Mortgage Options
Relocating to a new city or state can be both exciting and overwhelming, especially when it comes to navigating the mortgage process. You might be won
Military PCS Mortgage
Relocating due to a military PCS order can be overwhelming, especially when it comes to navigating the complexities of a mortgage. You're not alone in
Newlywed First Home Purchase
Congratulations on your recent wedding! Now, as you start your new life together, buying your first home can feel both exciting and overwhelming. You'
Growing Family Home Upgrade
As your family grows, finding the right home can feel like a daunting task. You're not alone in feeling overwhelmed by the complexities of upgrading t
Inherited Property Mortgage Options
Inheriting a property can be a bittersweet experience, bringing both financial opportunity and emotional complexity. You're not alone in wondering wha
Buying Home from Family Member
Buying a home from a family member can be both a wonderful opportunity and a complex process. You're not alone in feeling uncertain about how to navig
Foreign National Mortgage
As a foreign national, you're likely no stranger to navigating complex financial systems. We understand that securing a mortgage in the US can feel da
DACA Recipient Mortgage
As a DACA recipient, you're working hard to build a life in the US, but securing a mortgage can feel like an insurmountable challenge. You're not alon
ITIN Holder Home Purchase
As an ITIN holder, you're not alone in feeling uncertain about your home buying options. Many have successfully navigated this path before you, and wi
Expat Returning Home Mortgage
Returning home after living abroad can be both exciting and overwhelming, especially when it comes to navigating the mortgage process with limited cre
Condo Mortgage Approval
You're taking the leap to own your dream condo, but the mortgage approval process can feel like a hurdle. You're not alone in feeling uncertain about
Manufactured Home Financing
Finding the right financing for your manufactured home can feel like navigating a maze. You're not alone in feeling frustrated with the process. At NM
Rural Property Financing
Finding your dream home in a rural area can be challenging, especially when navigating financing options. You're not alone in feeling uncertain about
Fixer Upper Renovation Loan
Finding your dream home only to discover it needs significant repairs can be disheartening. You're not alone in feeling overwhelmed by the prospect of
New Construction Mortgage
Building your dream home from the ground up is exciting, but navigating the financial aspects of a new construction mortgage can be daunting. You're n
Second Home Mortgage
Dreaming of a second home but worried about the mortgage process? You're not alone - many homeowners feel stuck when trying to turn their vacation ren
Vacation Home Financing
Dreaming of a vacation home but worried about the financing? You're not alone in feeling uncertain about how to turn that dream into a reality. Many h
High DTI Mortgage Options
Managing high debt-to-income ratios can be stressful, but you're taking the first step towards financial clarity. Many borrowers face similar challeng
Mortgage After Bankruptcy Recovery
Recovering from bankruptcy can be a challenging journey, and securing a mortgage might seem like a distant dream. You're not alone in feeling uncertai
Mortgage with Tax Liens
Dealing with tax liens can make getting a mortgage feel like an insurmountable challenge. You're not alone in this struggle - many have successfully n
Co-Signer Mortgage Options
Considering a co-signer for your mortgage can be a game-changer, but it's natural to feel uncertain about how it will affect your loan options. You're
Using Gift Funds for Down Payment
Using gift funds for your down payment can be a game-changer, but navigating the rules and regulations can feel overwhelming. You're not alone in this
Zero Down Payment Mortgage Options
Dreaming of homeownership but struggling to save for a down payment? You're not alone - thousands of borrowers have successfully navigated zero down p
Jumbo Loan Qualification
You're not alone in feeling overwhelmed by jumbo loan qualification. Many borrowers struggle to navigate the complex process, but with the right guida
Non-Warrantable Condo Loan
Finding your dream condo shouldn't be overshadowed by complex mortgage requirements. We understand the frustration of dealing with non-warrantable con
Interest Only Mortgage Options
You're not alone in feeling overwhelmed by interest only mortgage options. Many borrowers struggle to navigate the complexities of these unique loan s