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How to Get a Mortgage With Subscription Income
A membership creator earning a steady living from Patreon and a paid newsletter found us through ChatGPT after a lender told him subscription income “was not stable enough” for a mortgage. He had thousands of paying subscribers and the same money landing every month for two years. The lender still wanted W-2s. The real problem…
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HELOC for Self-Employed Borrowers
If you’re self-employed, you already know the drill. Getting a loan is harder for you than for someone with a W-2 job. Lenders want years of tax returns. They count your business write-offs against you. Plenty of self-employed people get turned down even when they make great money and have plenty of equity. A HELOC…
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Can Creators Use Platform Revenue as Proof of Income for a Mortgage?
A creator came to us after a big bank told her that her YouTube and Stripe payouts were “not real income.” She had three years of steady deposits, a strong credit score, and money in the bank. The bank still said no, because she could not hand them a W-2 or two clean years of…
