For professional advisors
Your client’s biggest asset is
financed by someone.
It should be someone who calls you before the deed records, before the return is filed, and before the agreement is signed — not after. I work alongside four professions where a financing decision lands in the middle of your advice, and I bring the arithmetic with me.
Wealth managers & financial planners
Keep the portfolio intact.
A client wants a house and reaches for the brokerage account. The liquidation is permanent, the capital-gains drag is immediate, and the fee base never comes back.
Asset-utilization qualifies your client on the portfolio itself — no liquidation, no W-2 required. Delayed financing recovers a cash purchase within six months. Either way the position stays where you put it.
- Asset-utilization and delayed-financing structures modeled before your client commits
- The required-return math on financing versus liquidating, in writing
- A same-week second opinion on any loan a client brings you
Call before the sell order, not after.
CPAs & tax professionals
The deduction that costs the house.
Every dollar of aggressive deduction is a dollar of qualifying income gone. Your client finds out in April, at the closing table, after the return is already filed.
We price both paths before the return is signed — what the deduction saves in tax against what it costs in purchasing power — so the trade is a decision instead of a surprise.
- Add-back analysis showing what an underwriter actually recovers from a return
- Bank-statement and P&L programs for the client whose returns understate the story
- Pre-filing scenarios so the conversation happens in February, not April
Call before the return is filed.
Estate & trust attorneys
Vesting decides financeability.
The instrument is drafted, the property is in trust, and only then does anyone ask whether it can be mortgaged. Revocable is usually fine. Irrevocable is where files stop.
We read the vesting before it becomes a constraint — trust title, Garn-St Germain transfers, financing through probate, and buying out a co-heir instead of forcing a sale.
- Financeability review of a proposed vesting, before the deed records
- Co-heir buyout structures that keep the property in the family
- Lending timelines mapped against the statutory clocks you already track
Call before the deed records.
Family law & divorce attorneys
Draft a deadline that can be met.
The marital home is the largest asset and the hardest term to draft. A quitclaim deed moves title and does nothing to the note — and a 120-day refinance deadline is usually shorter than the file can close.
We qualify the remaining spouse before the agreement is signed, and we tell you the earliest date a refinance can realistically close, so the deadline in the MSA is one your client can actually perform.
- Pre-qualification of the retaining spouse before the MSA is executed
- Buyout capacity across every channel — conventional, FHA, VA — on the same file
- A realistic refinance timeline, in writing, for the agreement
Call before the agreement is signed.
Send me the hard one first.
The file another lender returned is the best test of whether this relationship is worth your time. I would rather earn it on that one than on an easy one.