Local money coach Lisa Chastain told Abel Garcia that nearly all of her clients are struggling with credit card debt and offers these tips to get those balances paid down.

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Are you dreaming of owning a home and finding it difficult to qualify for a traditional mortgage?

An alternative home loan solution could be just what you need! These types of loans are great at opening doors for people that are self-employed, someone with only a tax id (individual tax identification number or ITIN), those looking to purchase unique properties like vacant land, mobile homes and non-warrantable condos, individuals that have experienced a recent credit event and everyone in between.

What is a Non-QM Loan?
Non-QM stands for Non-Qualified Mortgage. It’s a home financing solution for responsible borrowers and is specifically intended to help people that may not meet the requirements of a traditional home loan program.

These loans typically utilize special income qualification methods and are designed to help people with unique income streams. Some examples of the types people that find Non-QM home loans beneficial are individuals that are self-employed as an independent business owner, contractor, gig worker, artist, etc.

Loan programs in this space are typically more flexible in terms of credit. This flexibility may allow a borrower who has experienced a recent credit event like a bankruptcy or foreclosure, qualify for a new mortgage and opens doors to homeownership for people who have not yet established credit.

A Non-QM home loan is not risky or unsafe for borrowers. It’s simply a home loan alternative that allows the lender to review income, analyze credit and meet the borrower’s unique income or credit profile, differently.

Who Can Benefit from Non-QM Loans?
From self-employed individuals to people with a high debt-to-income (DTI) and those that only have an ITIN. Alternative mortgage options benefit borrowers who don’t meet the standard criteria for a traditional loan.

Non-QM programs are suitable for individuals with non-traditional income sources. This includes income derived from self-employment, 1099’s, irregular commission, or freelance work. An alternative home loan can benefit individuals that have experienced a recent credit event such as a bankruptcy or foreclosure, or ITIN holders who have not yet established credit in the US. Non-Qualified Mortgages offer flexible underwriting guidelines providing an opportunity for homeownership to those who may not qualify for conventional loans.

The advantages of considering an alternative mortgage loan for homeownership include:

-Greater flexibility in the approval process
-The ability to qualify based on alternative documentation
-The opportunity for homeownership for borrowers who might not qualify for a traditional QM loan.

Real estate investors and those seeking financing for unique property types can also benefit in this space.

For potential homebuyers with unique financial situations, like recent credit events or high debt-to-income ratios, a Non-QM loan is a great option. These loans provide an opportunity for individuals who may not qualify for a traditional mortgage to become homeowners.

Key takeaways
Non-QM loans are for people who can’t get traditional mortgages. They work for self-employed or freelance workers, artists, gig workers and immigrants, or those who have experienced a recent, negative credit event. These alternative financing solutions have flexible requirements and are a great alternative to traditional financing.

Non-QM loans are available to a broad range of potential customers. Complete this quick form today and one of our lending professionals will reach out to you to begin determining your eligibility!

Contact Us Today!

Submit a request to speak with an experienced Non-QM loan officer and take the first step towards owning your dream home.

Submit here: www.fnba.com/mortgage

Approval with 600 credit score is possible; however, this credit score alone does not guarantee loan approval as other requirements will need to be met in order to qualify.

The waiting period discussed is specific to FNBA and waiting periods may vary depending on the lender you choose. In order to qualify in as little as 1 day, you will need to demonstrate rebuilt credit and savings history.

NMLS# 413209
EQUAL HOUSING LENDER

Connect with First National Bank of America:

First National Bank of America Official Website:
https://www.fnba.com/

Follow FNBA on LINKEDIN:
https://www.linkedin.com/company/fnba

Like FNBA on FACEBOOK: https://www.facebook.com/firstnatlbankofamerica

Follow us on INSTAGRAM:
https://www.instagram.com/firstnationalbankofamerica/

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Why should you hire an advisor? Here’s why: Having a professional manage your money can make all the difference. We do this day in and day out—it’s our expertise. We’re here to help you avoid losses and make smart financial decisions. ????

Are you struggling with credit card debt? Don’t worry, you’re not alone! In this video, we’ll show you how to manage your credit card debt effectively. Step one is creating a debt repayment plan by listing all your debts and prioritizing them based on interest rates. By paying off the highest-interest cards first, you can save money in the long run. Step two involves negotiating with your creditors for lower interest rates or payment plan adjustments – they are often more willing to help than you might think! Finally, step three is seeking financial counseling to receive expert advice tailored to your situation and create a realistic budget. Take action now and regain control of your finances! #CreditCardDebt #FinancialFreedom

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The content provided in this video is for informational purposes only and does not constitute financial advice, investment advice, trading advice, or any other sort of advice. The information presented is not intended to be relied upon as a forecast, research, or investment recommendation

If you’re struggling to pay off debt, credit counseling could be a good first step.

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What Happens to Credit Card Debt When You Die? | Financial Insights Revealed

Ira Smith Trustee & Receiver Inc.
167 Applewood Crescent #6, Concord, ON L4K 4K7
(647) 799-3312

VISIT THIS SITE:

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**Title:** What Happens to Credit Card Debt When You Die? | Financial Insights Revealed

#CreditCardDebt
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Have you ever wondered what happens to credit card debt when you die? This eye-opening video delves into the intricacies of debt after death, exploring how it’s handled and who becomes responsible. Whether you’re planning your estate or simply curious, this video provides the essential knowledge that could save your loved ones from unexpected financial burdens.

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– **Estate Responsibility:** Discover how an estate is used to pay off debts and what assets are considered.
– **Surviving Family Members:** Understand the legal implications for spouses, children, and other family members.
– **Credit Card Companies:** Get insights into how credit card companies pursue debt recovery.
– **Preventive Measures:** Tips on how to manage your debt to prevent complications for your heirs.

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What happens to credit card debt when you die? This critical question affects everyone, yet it’s often overlooked until it’s too late. In this video, we dive deep into the shocking truth about what happens to your credit card debt after death. We’ll explore the legal and financial implications, what your family might face, and how you can plan ahead to protect your loved ones. You’ll learn about the probate process, how debt collectors operate, and the potential impact on your estate. We provide clear, actionable steps to manage and mitigate these challenges, ensuring your family isn’t left with unnecessary financial stress. Whether you’re planning your estate or dealing with the aftermath of a loved one’s passing, this essential guide offers valuable insights and practical advice. Watch now to arm yourself with the knowledge needed to navigate this complex issue and secure your family’s financial future. Don’t miss out on these crucial details—your peace of mind depends on it!

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Here is a video that I like:

Credit Card Debt After Death: Who’s Responsible?

Bethel Law
4.83K subscribers

2.9K views 1 year ago

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