Description

Lunch & Learn: Expanding Your Market with Non-QM Solutions

Date: Tuesday, May 12th

Time: 11:30 AM – 1:00 PM

Location: The Dupree House (JCAR Office)
709 S. Third Street, Smithfield

Presenter: Robbie Ballance, Cornerstone First Mortgage

Event Overview

Are you hitting roadblocks with clients who have the means to buy but don't fit the traditional lending "box"? In today’s shifting economy, mastering Non-QM (Non-Qualified Mortgage) financing is essential for any REALTOR® looking to expand their reach and close more deals.

Join us for an insightful Lunch & Learn presented by Robbie Ballance with Cornerstone First Mortgage. We will dive into strategic lending products designed specifically for self-employed borrowers, business owners, and investors with unique income situations.

What You’ll Learn:

We will break down the most effective Non-QM products currently helping buyers secure homes, including:

• Bank Statement Programs: How to qualify borrowers using 12 or 24 months of personal or business statements.
• DSCR Loans (Debt Service Coverage Ratio): A game-changer for investors—qualify based on the property’s cash flow rather than personal income.
• P&L Statement Loans: Leveraging CPA-prepared Profit & Loss statements for streamlined approvals.
• Asset Depletion Loans: How high-net-worth individuals can use their existing assets to qualify for monthly income.

Who Should Attend?

Any agent looking to better serve:

• Self-Employed Entrepreneurs
• Small Business Owners
• Real Estate Investors
• Borrowers with unique or complex income streams

Lunch will be provided. Please register in advance to ensure an accurate headcount for catering.

Registration & Attendance Policy

Register via the Member Portal: HERE

No-Show Policy: To help us manage event costs and catering, please provide a 24-hour cancellation notice if you can no longer attend. A No-Show Fee will be applied to accounts for those who fail to attend without notice.

Capacity: Space is limited! Registration is the only way to guarantee your seat. Walk-ins will be admitted on a first-come, first-served basis if space allows.

Led by Robbie Ballance from Cornerstone First Mortgage