Mortgages aren't one lender's opinion.
Most people get told yes or no by a single lender and assume that's the answer. I'm a broker with access to more than 200 lenders — so when one says no, that's the beginning of the conversation, not the end of it.
what I actually do
The loans other people send back
Plenty of originators are good at the clean W-2 file. So am I — but the ones worth calling me for are the deals that don't fit in a box.
Qualify on the property's rent, not your tax returns. Keep buying after your personal DTI says you're done.
DSCR loans →Your returns show what you wrote off, not what you earn. Bank statement programs use deposits instead.
Self-employed mortgages →NC Home Advantage, down payment assistance, and a straight answer on how much you actually need.
First-time buyer loans →Little or nothing down, student debt handled sanely, and no mortgage insurance on the right program.
Doctor loans →Asset depletion, P&L only, ITIN borrowers, recent credit events. The file the bank wouldn't read.
Non-QM loans →Conventional, FHA, VA, jumbo, construction, renovation, HELOC and refinance.
All loan programs →broker vs. bank
One lender has one set of rules
A bank can only offer you what that bank sells. If your file doesn't fit their guidelines, the answer is no — and that no tells you nothing about whether the loan is doable.
I recently had a purchase three weeks from closing when the lender's read on a conventional guideline killed it. Because I'm a broker, a problem with one lender isn't a dead loan. We moved it, transferred the appraisal, restarted, and closed in seven days — on the original contract date.
Nothing magical happened. I understood the guideline, knew where else the loan could go, and moved fast enough that the buyer never lost the house.
“Four lenders had already told her no. I didn't have a magic trick and I didn't bend any rules. I just had more places to look and the experience to know what I was looking for.”
On getting a self-employed single mother approved after four denials
based in charlotte
Charlotte mortgage broker, licensed in 11 states
I'm in Charlotte and I know this market — but a lot of what I do isn't local at all. Investors buying DSCR rentals and self-employed borrowers finding me from across the country make up a big share of my business.
If you're buying in Charlotte, start with the Charlotte mortgage broker page. If you're anywhere in 11 states and your file is complicated, just call.
Licensed in
Not licensed in South Carolina — if you're buying in Fort Mill or Rock Hill I'll refer you to someone who is, rather than waste your time.
reviews
In their words
Great mortgage broker!
Jason helped us get our loan in less than 2 weeks so we could have a quick closing. He was quick to respond to all our questions and even came to the closing to make sure everything went through. I would use him again for sure!
Incredible
Jason was incredibly responsive and made the process a breeze. His knowledge and experience was unmatched, and he had access to products that beat traditional banks hands down. We needed to close in 3 weeks and Jason made it happen. …
Excellent experience!
I just closed on my refi for my rental investment property. From the get go Jason was quick to respond, professional, and extremely easy to work with — not to mention I'm located in California (3 hour time difference). …
Great Experience
Jason did a wonderful job in helping to find the right mortgage for me. As a first time home buyer there was a lot I did not know. Jason was able to answer all of my questions and ease any concerns I may have had. …
Jason Andrews
Jason was awesome in helping my wife and I secure a mortgage loan. Start to finish in 3 weeks time. He was always available and made the process flow so easy. Definitely a top notch Loan Officer who I highly recommend.
Best of the best!
My wife and I were unsure about refinancing our home loan because we had no idea where to even begin. We reached out to Jason and his team and they absolutely blew our expectations out of the water. …
Extremely Helpful and Responsive
Jason was unbelievably responsive from the initial inquiry to after the paperwork was signed and processed. He took the time to explain multiple options and even the time to break it all down so it made sense to me — the layman who is not a part of his world. …
Laid out every option in detail
After owning our home for only a year we assumed it was a long shot to refinance into a better rate. We called Jason and in no time at all had multiple options that we could move forward with. …
Top 1% Loan Originator for a reason
Jason has proven to be nothing short of exemplary through the entire loan process to closing, and even after. I would, without hesitation, recommend Jason to anyone who is currently or plans to look for a new home who will need a loan. …
Great rates, clear communication, speedy close!
Worked with Jason Andrews to get financing on our new home. I did a ton of shopping around for rates, and no one could touch the rate and fees I was getting from him. …
Reviews shown are from Jason's Zillow profile, where you can read all 30.
the questions I get every week
Straight answers, no pitch
What is a DSCR loan and when does it make sense?
A DSCR loan qualifies an investment property on the rent it brings in rather than your personal income — no tax returns, no W-2s, no debt-to-income calculation. It makes sense when your tax returns understate what you actually earn, when you already have several financed properties, or when you want to keep scaling without your personal DTI capping you.
I was turned down by another lender. Does that mean I can't get a mortgage?
Usually not. “You don't qualify” most often means “you don't qualify for the options that lender looked at.” As a broker I have access to more than 200 lenders with different programs and guidelines. A denial is a reason to get a second look, not a verdict.
How is my income calculated if I'm self-employed?
It depends on the program. Conventional lenders use your tax returns and add back certain deductions. Bank statement programs use 12 or 24 months of deposits instead, which usually shows a much higher qualifying income for business owners who write off aggressively. Which one is right depends on your returns — I'll run both.
What's the difference between the interest rate and APR?
The rate determines your payment. The APR folds the lender's cost of credit into a single annualized number so you can compare offers. Two lenders can quote the same rate with very different APRs, and the lower APR isn't automatically the better deal — it depends on how long you'll actually keep the loan.
Should I pay points to get a lower rate?
Only if you'll keep the loan past the break-even. Divide what the points cost by the monthly savings and you get the number of months it takes to get your money back. Keep the loan longer than that and points win; sell or refinance sooner and they don't.
See what you actually qualify for
Three quick questions. No credit pull, no obligation, and it doesn't go on your record.
Ready to apply properly? Skip the questions and start the secure application — about fifteen minutes, and it's the same form we'd fill in together anyway.
Prefer to just talk? Call or text (704) 287-8746.