Making the Impossible Possible

Making the Impossible Possible

Congratulations to my amazing Realtor partner—we just closed a transaction that most lenders wouldn’t even attempt. Our buyers immigrated to the U.S. ten years ago and came from a “cash culture,” meaning they haven’t built any U.S. credit and had no credit scores. They’re also self-employed, and while they file taxes every year, their taxable income doesn’t fit traditional lending guidelines. On top of that, they’re here on employment authorization—not permanent residency—which knocks them out of eligibility with many lenders. Most would have declined this loan immediately.

But at NEXA, we don’t stop at “no.” I got creative, I dug, and I found solutions. After calling more than 30 lenders, I found two willing to review the scenario. I ultimately secured an option and locked in the best possible terms for my clients.

I shared this story with another partner—and wouldn’t you know it? She has a self-employed buyer who’s already been turned down by two lenders. We’re meeting next week to explore solutions.

If you think your buyers can’t qualify, think again. The answer might simply be: I can help. Call me anytime to discuss your clients’ unique situations!