1-Year Buy down for Free! For REAL!

Unlock Cash Without Touching Your First Mortgage

Everyone needs access to cash from time to time—but most homeowners are reluctant to touch their low-interest first mortgage. Fortunately, alternative loan programs for second mortgages offer flexible solutions without disturbing your primary loan.

Share the Knowledge—Even If You Don't Work with Buyers

Many licensed professionals—realtors included—don’t directly work with buyers. But chances are, you have friends or family who need to purchase or refinance a home.

If someone you know could use mortgage guidance, feel free to share my contact information or have them reach out directly.

Alternative Income Documentation Loans

There are flexible mortgage programs available that do not require tax returns or W-2s. Instead, borrowers can qualify using:

• Business bank statements

• 1099 forms

• Written verifications of employment

• Profit & Loss statements

Book a free consultation to see if I can help someone you know!

Creative Lending Solutions for Unique Borrowers

These programs are ideal for self-employed clients and first-time investors:

• Qualify for a mortgage using bank balances alone

• First-time buyers can purchase investment property with no personal income, using projected rental income to qualify

• 10–15% down with no PMI

• Gift funds allowed for down payments—even on investment properties

• FICO scores as low as 620 for loans up to $1M

• Qualify using interest-only payments

• Close in the name of an LLC

Tip of the Week: Credit Report Changes You Should Know

• Student Loans: With recent leadership changes at the CFPB, private student loan lenders are expected to become more aggressive in collections. Expect more delinquent student loans to appear on credit reports.

• Medical Collections: Medical debt can no longer appear on your credit report. If one shows up, request removal immediately. You also gain leverage to negotiate interest-free repayment plans.

Important: Avoid putting medical debt on your credit card—it only adds interest to a balance you can likely settle or resolve affordably.

If a collection agency files a lawsuit, demand proof of the debt. Many firms won’t pursue legal action unless the amount exceeds $3,000—giving you leverage to negotiate a reasonable settlement or payment plan.

Quote of the Week

“To be informed is to be well armed!”

Expanded Loan Options from Life Lenders

• Renovation & New Construction / Fix & Flip Investors

• HUD Multi-family loans up to 85% with 35-year amortization

• Bridge & HUD loans for Nursing Homes & Assisted Living Facilities

• Reverse Mortgages up to $4M, including Co-Ops

• SBA business financing up to 90%

• Investor, Commercial, Bridge, HUD, & SBA loans available nationwide

Contact Life Lenders

Phone: +1 (347) 804-4438

Email: info@lifelenders.com

Life Lenders is licensed in 34 states and expanding rapidly. We’re here to help you or your network secure the right loan—whether personal, investment, or commercial.

Licensed Mortgage Broker in: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, MA, ME, MD, MI, MS, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WV, and New York.

This communication is intended solely for licensed professionals and is not an offer to lend.