06/05/2026
Win of the Week — Knowing the Guidelines Saved Them 1%.
Self-employed couple came to me after shopping around. The husband earned more — but his credit wasn’t great. The wife had stellar credit but earned less.
Most lenders price off the lowest credit score on the file. That was costing them everywhere they went.
Here’s what we did 👇
✅ Removed his income entirely from qualification
✅ Qualified strictly off the wife’s bank statements — she became the primary wage earner on the loan
✅ As primary wage earner, her stellar credit was the only score used for pricing
✅ 1% lower rate than every lender they had already shopped — same loan, just structured differently
This isn’t magic. It’s knowing which lender reads the file differently.
Self-employed clients where one borrower has strong credit and the other doesn’t — call me before they sign anything.
📞 310.433.0947 | www.experthomeloans.com
— Eric Eisenberg | President, Expert Home Loans | NMLS #55782
