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Illinois Borrower Information Document Welcome to Majestic Home Bb

Illinois Borrower Information Document Welcome to Majestic Home Bb

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so let's talk about why is it so different what are we doing over here in the lending world that is so baffling to both people and their CPAs and their real estate agents so when you were a W-2 it's pretty easy right I take your yearly salary divide it by 12 that's it it's assumed that you are going to keep your job at that wage for a reasonable amount of time for the lender to feel secure when you're self-employed we are going backwards rather than looking at what's happening right now and we take the last 24 months and use that to project forward to what we think you'll be doing and therefore the lender feels secure that you have good cash flow so for any of you guys who are just getting started with this that would be a perfect example of somebody whose first year may actually be at a loss but by the second year you're doing really well so those folks think okay great I did it I'm you know bringing in ten thousand dollars a month I'm ready go get a loan but when we go backwards that

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