Mortgage Path
2–3 minutes
No credit impact

Got denied for a mortgage? Don’t apply again until you understand your path.

We help complex borrowers (Self-employed, Investors, Foreign Nationals) find plausible loan paths. Stop guessing and start navigating.

Not an application No hard pull Free diagnostic

Understanding Your Loan Path

Conventional loans aren't the only option. Explore Non-QM and specialty programs designed for real-life situations.

Full Doc

Alternative for agency fallout. Supports recent credit events, ITIN, and unique property types.

Prime Fallout
ITIN
Mixed-Use

1099

For independent contractors. Qualify with 1–2 years of 1099 earnings instead of tax returns.

Contractors
No Tax Returns

P&L

For self-employed borrowers using a CPA-prepared Profit & Loss statement to show stability.

Self-Employed
Business Income

Bank Statements

Qualify using 12–24 months of personal or business bank deposits.

Cash Flow
Business Owners

DSCR

For investment properties. Qualify based on rental income vs. mortgage payment. No personal income required.

Investors
No Employment Info

Asset Qualifier

Qualify based on liquid assets alone. No employment or income required.

High Net Worth
Retirees

Foreign National

For non-U.S. residents purchasing U.S. property. Often uses DSCR or Asset Qualifier.

Non-Resident
No US Credit

How Mortgage Path works

We use a negative filtering engine to rule out what won't work, so you can focus on what might.

1

Answer simple questions

Tell us about your income, property, and credit history in our secure diagnostic wizard.

2

Get path clarity

See which loan types (e.g., DSCR, Bank Statement) match your profile and what blockers exist.

3

Connect with specialists

If we find a match, you can choose to be introduced to lenders who handle your specific scenario.

Secure & Private

Ready to find your path?

It takes less than 3 minutes to diagnose your situation. No commitment, no credit pull.