Mortgage Solutions for Alternative Incomes
Flexible mortgage solutions for self-employed and non-traditional borrowers using real-world financials—no tax returns or W-2s required.
Loan ProgramsChallenges for individuals who don’t meet standard lending criteria:
Hard-to-prove income
Tax write-offs lowering your qualifying amount for loans
Traditional banks rejecting your application
Financially successful but don’t check all the traditional lending boxes
My Mission
“My mission is to make homeownership and financing accessible to self-employed individuals, entrepreneurs, investors, and others who don’t fit the traditional lending mold. I specialize in alternative income mortgage solutions that eliminate the need for tax returns, paystubs, w2’s— focusing instead on real-world financials like bank statements, assets, rental income cash flow, and other financial credentials. There are unique opportunities to lend based on business revenue and not net profit. Our goal is to provide flexible, transparent, and client-focused financing options that empower our clients to achieve their real estate goals on their terms.”
A Note for Our Borrowers’ Tax Preparers
At our firm, we understand the important role tax professionals and financial advisors play in helping clients maximize their financial position. Strategies that legally reduce taxable income can be an essential part of a sound financial plan.
While showing lower income can sometimes make it more challenging to qualify for certain types of traditional financing, our approach is designed to help address the mortgage side of that equation. That means you can continue implementing the tax strategies that best serve your clients without jeopardizing their ability to pursue home financing solutions.
About Todd Schwartz
Vice President of Mortgage Lending | NMLS #789865
Todd is a seasoned financial professional with a comprehensive and holistic approach to mortgage planning. This has evolved from his unique background in financial education and financial decision making. He began his career as a longtime floor trader on the CBOE. This led to a financial services and planning career. Todd is a leader and top performer at Mutual of Omaha Mortgage. He is known for his extensive knowledge of banking, insurance, and mortgage lending. He is also a certified expert in divorce mortgage planning, making him a trusted resource for legal and financial professionals.
Todd is a sought-after speaker and trainer on topics that include financial literacy, financial wellness, unique mortgage solutions and debt management topics. He has also played a key role in launching company-wide affinity programs. Licensed nationwide, he welcomes inquiries from individuals, families, and professionals seeking expert guidance on mortgage and financial wellness solutions.
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