Intelliloan is offering 1.875 rate and APR for 15 yr fixed.

hourly rate of $240 for 3 movers 1 truck?

it is a long drive to James Creek.

Short answer is no.

If you own the company, you need 2 years full W2 and tax returns as well. Reason being you could easily pay yourself a high amount in Q1 and stop all payroll completely at year end.

Many newly self-employed people fall into this problem of not qualifying for a QM loan because a lack of sufficient income history. The same actually goes for a W2 employee if they do not have 2 years of work experience. Sometimes even if you do have 2 years total work experience but only a few months at a new job in a new field the underwriter might deem your income to be instable.

The only way I can help borrowers is to help them finance into a QM loan with looser guidelines but higher interest rates and then target to refinance into a QM loan once the income history is solid. Other lenders may be able to help you but I think it will be very few that don't adhere to the 2 year income history.

Quote from: sleepy5136 on Yesterday at 02:50:36 PM

Quote from: eyephone on Yesterday at 02:11:05 PM

Trump didnt fund programs? You could of sold nothing at the farm and could of made bank. Get reimburse for loss income due to the trade war that he created. But wait how do they know how much income they lost because demand changes constantly. (PeepeLaugh)
PPP loan was not a loan. It was basically a grant aka free money. The taxpayers paid business to stay open. We got royally screwed and shafted. No one talks about except me. No one does. Either they dont get it or dont understand. Mean while people are struggling to survive.

Who created the policies doesn’t really matter since it does have to go through Congress for anything to be in effect. If there is something to be worried about it would be housing affordability and homelessness growing. People that couldn’t afford one now can almost forget about getting one now. Income inequality is higher than ever now. Who knows what will happen in the near future but I would be surprised if the housing market got a correction which I would argue is needed. And with the strict building codes in California, building “affordable” homes is almost impossible.

The trump farm money was an executive order.

I was specifically mentioning PPP. I can't recall how much was given to the farmers, but let's just say that a ton of money was pushed into the economy for "stimulus" purposes and majority of it was passed via Congress...

Drummond and Gasol were complete liabilities on offense. They were only good for their rebounding. With Westbrook you still retain rebounding and actually gain a dog perimeter defender.

I think Gasol has a player option. I’m guessing he will exercise if he has not already. Drummond seemed like a disappointment and IHO and myself are faster that Gasol. I hope neither are Lakers next year.