A different path forward
Alternative Financing
Alternative financing is for clients whose situation may not fit traditional bank requirements. This may include self-employment, credit challenges, non-traditional income, or more complex financial profiles.
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
What To Expect
Understanding Your Options
Alternative financing is for clients whose situation doesn’t fit neatly into a traditional bank’s criteria. You may be self-employed, have non-traditional income, a lower credit score, past credit challenges, higher debt ratios, or a file that requires a more flexible lending approach.
Being turned down by one bank does not mean you are out of options. It often means your financial story needs to be reviewed from a different angle and matched with a lender that better understands it. This service helps explore those alternative mortgage paths in a clear and strategic way.
Different Files. Real Solutions
Support for Complex Situations
Beyond the Credit Score
Your file is more than a number or a past decline. I take the time to understand your full financial story and explore lenders who may see it differently.
Expanded Lender Access
Alternative financing often involves lenders outside traditional banks, including those who work with self-employed clients, unique income situations, or complex financial profiles.
Clear Trade-Off Breakdown
Rates, fees, terms, and conditions can vary widely in alternative lending. I make sure you understand the full picture before making any decisions.
Pathway Planning
Sometimes alternative financing is a stepping stone. We look at how to strengthen your financial position over time so you can access better options in the future.
Judgment-Free Support
Life doesn’t always follow a perfect financial path. My role is to help you move forward with clarity, dignity, and a realistic plan, not pressure or judgment.
Mary Gets You Home
Frequently Asked Questions
I’m self-employed — can I still get a mortgage?
Yes. Being self-employed does not prevent you from getting a mortgage. It simply means lenders may assess your income differently. I’ll help review how your income is documented and which lenders may be the best fit for your situation.
My credit score isn’t perfect. Does that disqualify me?
Not necessarily. A lower credit score or past credit challenges may limit some options, but it doesn’t automatically disqualify you. We’ll look at your full financial picture and build a realistic path forward based on where you are today.
What is a B lender?
A B lender is a mortgage lender that works with clients who don’t meet traditional bank criteria. They often have more flexible approval guidelines for credit, income, or debt ratios. The trade-off is that rates or fees may be higher, which I’ll always explain clearly before you proceed.
Are interest rates higher with alternative financing?
Often, yes. Alternative financing can come with higher rates or fees due to increased lending flexibility. My role is to help you understand those costs clearly and determine whether the solution still makes sense for your short- and long-term goals.
Working Together
Let’s Explore Your Options
There’s more than one path to homeownership. Let’s find the one that fits your life.