Complex income
Self-employed, 1099, or a business owner? Your income may make perfect sense in real life even when it doesn’t fit the standard boxes.
Mortgage Strategy Review
Your financial life doesn’t have to be simple to make sense.
If you’re self-employed, have multiple income streams, a past credit event, an unusual property, or simply don’t fit the typical lending box, I’ll help you understand what may actually be possible.
You don’t need to know which loan program you need. You just need to tell me what your situation looks like.
When a closer look makes sense
Some situations just need a closer read.
A profile that needs context
Your finances are solid—but they don’t fit neatly into a standard application.
Qualification questions
Your monthly debts sit close to the line, or you’re not sure which income and payments actually count.
Recent credit events
A bankruptcy, foreclosure, short sale, or late payments may change the timing—often more than the whole plan.
A major life change
Divorce, a new job, a move—when life changes, the mortgage picture usually does too.
Condo or property complications
Condo questions, association approvals, property condition, or how you’ll use the home can all raise questions worth answering early.
And it makes sense when the rate, payment, or loan structure doesn’t add up to you—or when you’d like another experienced set of eyes before you commit.
How it works
Three calm, simple steps.
01
Tell me what your situation looks like
Give me the high-level picture. You do not need to know the loan program or underwriting terminology.
02
I look at how the pieces fit
I review the income, credit, property, timing, and guidelines that may matter to your situation.
03
We talk through what may be possible
If there is a workable path, I’ll explain the next steps and what would be needed to move forward.
Start with the essentials
Tell me what I should know.
This short form gives me enough context to understand where to start. Save documents and detailed financial information for a secure conversation later.
Please keep it high-level.
Do not enter Social Security numbers, dates of birth, account numbers, credit card numbers, or upload financial documents here.
Mia Schultz · NMLS #217815 · Mortgage Bar powered by Edge Home Finance LLC
All loans subject to approval. Equal Housing Lender.