Krish Posa · Mortgage Loan Officer · NMLS #2533287
Innovative Mortgage Services, Inc. · NMLS #250769
Mortgage Solutions Traditional Banks Often Can’t Offer
Think you can’t qualify for a mortgage? You might be surprised. Let’s explore options built for real-life situations — not just W-2 playbooks.
No obligation. Soft language only — options depend on eligibility and underwriting.
Who we help
If you’ve been told “no” elsewhere, you may still have a path. Ask about programs that fit your situation.
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Self-employed & business owners
12 or 24 months of bank statements may be used when tax returns understate cash flow.
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Real estate investors
DSCR financing may qualify using the property’s rental income — not just personal W-2 income.
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Independent contractors (1099)
You may not need traditional W-2 income. Ask about 1099-friendly mortgage programs.
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High net worth / asset-based
Substantial savings or investments may help you qualify even when taxable income is low.
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Foreign nationals
Eligible non-U.S. residents may have financing options for U.S. real estate investment.
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ITIN borrowers
No Social Security Number? An ITIN may still open home financing options.
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Recent credit challenges
Bankruptcy, foreclosure, or short sale — you may qualify sooner than you think. Let’s review.
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Jumbo & investment property
Above conforming limits, or growing a rental portfolio — solutions for primary, second, and investment homes.
Srikrishna Posa | NMLS Loan Officer ID: 2533287 | Sponsored by Innovative Mortgage Services, Inc. | NMLS Company ID: 250769. Equal Housing Opportunity. Licensed to originate residential mortgages in the State of Georgia. This is not a commitment to lend. All loans subject to credit approval and underwriting guidelines. Verify licensing at NMLSConsumerAccess.org.