Alan Openshaw NMLS # 143960

07/31/2026

When the client needs it fast, I hit you covered.
It would been 8 days had the appraiser not been locked out of the property TWICE.
The client was NOT tech savvy but I coached him thru it.

07/04/2026

Happy 4th of July to all my American friends.
I’m so glad that we let you win that war 250 years ago so that I can now enjoy this beautiful country! 🏴󠁧󠁢󠁥󠁮󠁧󠁿🇺🇸🇺🇸🇺🇸🇺🇸

06/03/2026

I had to post this video from 10 years ago with my old company. I won best mortgage broker in the county of Bucks Pa

Nice memories of being younger, and not so nice memories of being about 80lbs fatter!

https://www.facebook.com/share/p/1CXwveR6tE/?mibextid=wwXIfr

Bucks Happening List Red Carpet Bash at Pen Ryn Estate on April 23, 2016

03/12/2026

So you want to buy a vacation home or airbnb but can’t qualify thru traditional means. Assuming that you only want to use the property for a portion of the season, you can rent it out thru a management company and close out your preferred dates for your own use.
Here’s an easy solution.
Buy it with a DSCR loan. That means Debt service coverage ratio. It means if the rent covers the payment you are good! However buying through traditional lenders, you can only use the long term rental income to qualify. I recently had two appraisers on different properties calculate long term monthly rental income at $2500 and $4000 on properties that generated $8500 and $11,000 per month respectively as short term rentals. The first interest rate was 6.25% because they had 50% equity and the second was 7.25% because they only put 15% down. Traditional lenders denied the loan because the clients income could not carry 2 homes. So if you want to buy a vacation home and have a good downpayment, let me guide you on how to do it!
Hit like if you want more information or shoot me a message!
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03/06/2026

Effective immediately, trigger leads are prohibited. That means if you have your credit pulled for a mortgage, the credit bureaus can no longer sell that information so clients can’t be bombarded with calls from other mortgage lenders

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03/05/2026

DSCR loan requires no income verification
It works good for long term rentals, but it works great for short term rentals
My client put 15% down on a $1,100000 shore rental with Long term rental income at $4500 DENIED
As a short term rental the income was $11,000 a month and they were approved.
We are closing this week and they should generate about $10,000 a month with a mortgage payment of $7500.
Meanwhile vacation properties are increasing in value.
To be fair, after management fees and expenses they may only make $1000 per month net but after depreciation they are going cash back on their tax return and get the full benefit of their property appreciation.
Again no income verification needed.
PM me for details

02/22/2026

Over 5 years ago I started working with a client.
So many estimates and so many preapprovals, I lost count a long time ago.  Just over two months ago he went under contract and the day before settlement the seller died. We had to get the will probated and closed last week. Quite a journey but we got there!