John Collins - Mortgage Broker, Mpire Financial 1929207

10/29/2026

𝗙𝗼𝘂𝗻𝗱 𝗮 𝗱𝘂𝗽𝗹𝗲𝘅 𝗼𝗿 𝗿𝗲𝗻𝘁𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘄𝗶𝘁𝗵 𝗽𝗿𝗼𝗺𝗶𝘀𝗶𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲? 𝗗𝗼𝗻'𝘁 𝗼𝘃𝗲𝗿𝗹𝗼𝗼𝗸 𝗵𝗼𝘄 𝘆𝗼𝘂 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝘁.

Traditional mortgages typically focus on your personal income. But with a 𝗗𝗦𝗖𝗥 𝗹𝗼𝗮𝗻, eligible investors may qualify based on the property's rental income instead of using W-2s or personal tax returns to document income.

The lender evaluates how the rental income compares to the mortgage payment, property taxes, insurance, and applicable HOA dues. Credit, down payment, and reserves still matter.

𝗪𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗿𝗲𝗻𝘁𝗮𝗹, 𝗮𝗱𝗱𝗶𝗻𝗴 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼, 𝗼𝗿 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗮𝗻 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆, 𝗗𝗦𝗖𝗥 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗺𝗮𝘆 𝗯𝗲 𝘄𝗼𝗿𝘁𝗵 𝗲𝘅𝗽𝗹𝗼𝗿𝗶𝗻𝗴.

I've added a 𝗳𝗿𝗲𝗲 𝗗𝗦𝗖𝗥 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 to my website so you can estimate a property's ratio and better understand how lenders evaluate rental income.

𝗙𝗶𝗻𝗱 𝘁𝗵𝗲 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 𝗹𝗶𝗻𝗸 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 𝗯𝗲𝗹𝗼𝘄.

John Collins | NMLS #1929207
Mpire Financial Group LLC | NMLS #2108504
Equal Housing Lender

𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘯𝘨 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥𝘦𝘳 𝘨𝘶𝘪𝘥𝘦𝘭𝘪𝘯𝘦𝘴, 𝘤𝘳𝘦𝘥𝘪𝘵, 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘢𝘯𝘥 𝘰𝘵𝘩𝘦𝘳 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘳𝘦𝘲𝘶𝘪𝘳𝘦𝘮𝘦𝘯𝘵𝘴. 𝘊𝘢𝘭𝘤𝘶𝘭𝘢𝘵𝘰𝘳 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘢𝘳𝘦 𝘦𝘴𝘵𝘪𝘮𝘢𝘵𝘦𝘴, 𝘯𝘰𝘵 𝘭𝘰𝘢𝘯 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭𝘴.

10/22/2026

𝗥𝗲𝗮𝗹𝘁𝗼𝗿 - 𝗬𝗼𝘂𝗿 𝗹𝗶𝘀𝘁𝗶𝗻𝗴 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝘀𝗶𝘁𝘁𝗶𝗻𝗴, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝘀𝗲𝗹𝗹𝗲𝗿 𝘄𝗮𝗻𝘁𝘀 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝗲𝗹𝘀𝗲 𝗰𝗮𝗻 𝗯𝗲 𝗱𝗼𝗻𝗲.

Another price reduction may be one option, but it is not the only conversation worth having.

I built one app that gives listing agents three practical tools:

• 𝗦𝗲𝗹𝗹𝗲𝗿-𝗣𝗮𝗶𝗱 𝗧𝗲𝗺𝗽𝗼𝗿𝗮𝗿𝘆 𝗥𝗮𝘁𝗲 𝗕𝘂𝘆𝗱𝗼𝘄𝗻 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿: Compare a 1-0, 2-1 or 3-2-1 buydown with a price reduction.

• 𝟭% 𝗟𝗲𝗻𝗱𝗲𝗿 𝗖𝗿𝗲𝗱𝗶𝘁 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿: Show how my lender credit may help reduce closing costs for qualified buyers, loans and properties.

• 𝗦𝗲𝗹𝗹𝗲𝗿 𝗖𝗼𝗻𝗰𝗲𝘀𝘀𝗶𝗼𝗻 𝗖𝗵𝗲𝗮𝘁𝘀𝗵𝗲𝗲𝘁: Quickly review common seller-contribution limits for different financing scenarios.

Run the numbers from your phone and 𝗰𝗿𝗲𝗮𝘁𝗲 𝗮 𝗰𝗼-𝗯𝗿𝗮𝗻𝗱𝗲𝗱 𝗣𝗗𝗙 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲, 𝗽𝗵𝗼𝘁𝗼 𝗮𝗻𝗱 𝗯𝗿𝗼𝗸𝗲𝗿𝗮𝗴𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.

Seller Credit and Lender Credit, all in one app.

See the calculator here:
https://johncollinshomeloans.com/realtors/buydown-calculator

𝗜𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗹𝗶𝘀𝘁𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝘀𝗶𝘁𝘁𝗶𝗻𝗴, 𝘀𝗲𝗻𝗱 𝗺𝗲 𝘁𝗵𝗲 𝗮𝗱𝗱𝗿𝗲𝘀𝘀 𝗮𝗻𝗱 𝗽𝗿𝗶𝗰𝗲. I will run the first comparison with you.

John Collins | NMLS #1929207 | Licensed TX & ID
Mpire Financial Group LLC | NMLS #2108504
Additional states served through Mpire Financial, subject to licensing and loan-program requirements.
Equal Housing Lender

10/22/2026

𝗧𝘂𝗲𝘀𝗱𝗮𝘆 𝗮𝗳𝘁𝗲𝗿𝗻𝗼𝗼𝗻, 𝗮 𝗯𝘂𝘆𝗲𝗿'𝘀 𝗹𝗼𝗮𝗻 𝗴𝗲𝘁𝘀 𝘀𝘂𝘀𝗽𝗲𝗻𝗱𝗲𝗱. 𝗖𝗹𝗼𝘀𝗶𝗻𝗴 𝗶𝘀 𝘁𝘄𝗼 𝘄𝗲𝗲𝗸𝘀 𝗼𝘂𝘁.

Before you call the seller, it can be worth having a second mortgage professional look at the file.

𝗔 𝗱𝗲𝗻𝗶𝗮𝗹, 𝗮 𝘀𝘂𝘀𝗽𝗲𝗻𝗱𝗲𝗱 𝗳𝗶𝗹𝗲, 𝗼𝗿 𝗮𝗻 𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹 𝘁𝗵𝗮𝘁 𝗰𝗮𝗺𝗲 𝗯𝗮𝗰𝗸 𝘀𝗺𝗮𝗹𝗹𝗲𝗿 𝘁𝗵𝗮𝗻 𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 doesn't always mean every option was checked. Sometimes another look turns up a path worth exploring. Sometimes it confirms the first answer. Either way, you know where you stand before you make that call.

I'm John Collins, a mortgage broker. 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝟵𝟭𝟭 𝗶𝘀 𝗺𝘆 𝘀𝗲𝗰𝗼𝗻𝗱 𝗼𝗽𝗶𝗻𝗶𝗼𝗻 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗳𝗼𝗿 𝗹𝗼𝗮𝗻𝘀 𝘁𝗵𝗮𝘁 𝗵𝗶𝘁 𝗮 𝘄𝗮𝗹𝗹. Realtors, send me a short description of the issue and I'll call you first. No Social Security numbers or documents needed. I can't promise a different result.

https://link.leadx22.com/sp/b658c4bcdee

John Collins, NMLS #1929207. Licensed in Idaho & Texas. Mpire Financial Group LLC, NMLS #2108504. Additional states served through Mpire Financial, subject to licensing. Equal Housing Lender.

10/20/2026

𝗙𝗼𝘂𝗻𝗱 𝗮 𝗿𝗲𝗻𝘁𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘁𝗵𝗮𝘁 𝗹𝗼𝗼𝗸𝘀 𝗽𝗿𝗼𝗺𝗶𝘀𝗶𝗻𝗴? 𝗥𝘂𝗻 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗺𝗮𝗸𝗲 𝗮𝗻 𝗼𝗳𝗳𝗲𝗿.

With a DSCR loan, eligible investors may qualify using the property's rental income rather than personal W-2s or tax returns.

Lenders look at how the rental income compares to the mortgage payment, taxes, insurance, and applicable association dues. Credit, down payment, and reserves still matter.

Whether you're buying a duplex, refinancing a rental, or expanding your portfolio, knowing the property's DSCR is a good starting point.

𝗜'𝘃𝗲 𝗮𝗱𝗱𝗲𝗱 𝗮 𝗳𝗿𝗲𝗲 𝗗𝗦𝗖𝗥 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 𝘁𝗼 𝗺𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗽𝗮𝗴𝗲 𝘀𝗼 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗿𝘂𝗻 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳.

𝗙𝗶𝗻𝗱 𝘁𝗵𝗲 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 𝗹𝗶𝗻𝗸 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝘀 𝗯𝗲𝗹𝗼𝘄.

John Collins | NMLS #1929207
Mpire Financial Group LLC | NMLS #2108504
Equal Housing Opportunity

𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘯𝘨 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥𝘦𝘳 𝘨𝘶𝘪𝘥𝘦𝘭𝘪𝘯𝘦𝘴, 𝘤𝘳𝘦𝘥𝘪𝘵, 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘢𝘯𝘥 𝘰𝘵𝘩𝘦𝘳 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘳𝘦𝘲𝘶𝘪𝘳𝘦𝘮𝘦𝘯𝘵𝘴. 𝘊𝘢𝘭𝘤𝘶𝘭𝘢𝘵𝘰𝘳 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘢𝘳𝘦 𝘦𝘴𝘵𝘪𝘮𝘢𝘵𝘦𝘴, 𝘯𝘰𝘵 𝘭𝘰𝘢𝘯 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭𝘴.

10/20/2026

🏡 𝗔𝗿𝗲 𝗬𝗼𝘂 𝗚𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗗𝗲𝗮𝗹?

Getting preapproved is one thing. Knowing whether you're getting the right mortgage is another.

The interest rate is important, but what about the closing costs, lender fees, discount points, and loan options?

𝗕𝗲𝗳𝗼𝗿𝗲 𝗰𝗼𝗺𝗺𝗶𝘁𝘁𝗶𝗻𝗴 𝘁𝗼 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝘄𝗵𝘆 𝗻𝗼𝘁 𝗴𝗲𝘁 𝗮 𝘀𝗲𝗰𝗼𝗻𝗱 𝗼𝗽𝗶𝗻𝗶𝗼𝗻?

I'm John Collins, a mortgage broker. I can review an existing Loan Estimate or financing recommendation and help you understand whether another available option might better fit your situation.

A second opinion could reveal something worth considering before you make one of your biggest financial decisions.

𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝗺𝗺𝗶𝘁.

Request a Mortgage Second Opinion:
https://johncollinshomeloans.com/second-opinion

John Collins | NMLS #1929207
Mpire Financial Group LLC | NMLS #2108504

10/19/2026

🚨 𝗥𝗘𝗔𝗟𝗧𝗢𝗥𝗦: 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗣𝗿𝗼𝗯𝗹𝗲𝗺𝘀 𝗧𝗵𝗿𝗲𝗮𝘁𝗲𝗻𝗶𝗻𝗴 𝗮 𝗖𝗹𝗼𝘀𝗶𝗻𝗴?

The buyer is ready. The seller is ready. Then the financing falls apart.

A last-minute loan denial or financing issue doesn't always mean the transaction is lost.

Before giving up on the deal, get a second opinion.

I'm John Collins, a mortgage broker with access to multiple wholesale lending options. Sometimes a fresh review can uncover another path forward.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝟵𝟭𝟭 — 𝗕𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗱𝗲𝗮𝗹 𝗳𝗮𝗹𝗹𝘀 𝗮𝗽𝗮𝗿𝘁, 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗸𝗲 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗹𝗼𝗼𝗸.

Request a Second Financing Review:
https://johncollinshomeloans.com/realtors

John Collins | NMLS #1929207
Mpire Financial Group LLC | NMLS #2108504

10/09/2026

🚨 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝟵𝟭𝟭: 𝗪𝗵𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗙𝗮𝗹𝗹𝘀 𝗔𝗽𝗮𝗿𝘁 𝗕𝗲𝗳𝗼𝗿𝗲 𝗖𝗹𝗼𝘀𝗶𝗻𝗴

Five days before closing, and suddenly the financing hits a wall.

Does that mean the home purchase is over? 𝗡𝗼𝘁 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝗶𝗹𝘆.

A mortgage denial or last-minute financing problem doesn't always mean there are no other options.

Before giving up on the home, it may be worth getting a second opinion.

I'm John Collins, a mortgage broker and the 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗲𝘀𝗰𝘂𝗲 𝗗𝗼𝗰𝘁𝗼𝗿 behind Mortgage 911. I've seen challenging loan situations before. Sometimes another lending option or a different approach can make a difference.

𝗕𝗲𝗳𝗼𝗿𝗲 𝘄𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝘄𝗮𝘆, 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗸𝗲 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗹𝗼𝗼𝗸.

📞 𝗖𝗮𝗹𝗹 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆: (972) 426-2233

🌐 𝗥𝗲𝗾𝘂𝗲𝘀𝘁 𝗮 𝗦𝗲𝗰𝗼𝗻𝗱 𝗢𝗽𝗶𝗻𝗶𝗼𝗻: https://johncollinshomeloans.com/second-opinion

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝟵𝟭𝟭. Because a financing setback doesn't always have to be the end of the story.

John Collins | NMLS #1929207
Mpire Financial | NMLS #2108504

10/08/2026

Thinking about downsizing or moving closer to family in retirement?

𝗖𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝘂𝘆 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗵𝗼𝗺𝗲 𝘄𝗶𝘁𝗵 𝗮 𝗿𝗲𝘃𝗲𝗿𝘀𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

Before you decide how to finance your move, it’s worth exploring what this option could mean for your savings, monthly expenses, and the home you leave to your family.

My latest blog explains how it works and the questions to ask before deciding.

https://link.leadx22.com/sp/6cedfb19ccb

Eligible buyers age 62 and older can use a HECM for Purchase to buy a primary residence without required monthly principal-and-interest payments. Here's how it works.

09/10/2026

𝗬𝗼𝘂𝗿 𝘄𝗲𝗯𝘀𝗶𝘁𝗲 𝗶𝘀 𝗻𝗼𝘁 𝗮 𝗯𝗿𝗼𝗰𝗵𝘂𝗿𝗲. 𝗜𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗿𝗶𝗻𝗴 𝘆𝗼𝘂 𝗹𝗲𝗮𝗱𝘀.

A lot of business owners build a website because they know they’re supposed to have one.

Then it just sits there.

Your website should help people:

✅ Find your business
✅ Understand what you do
✅ Trust you
✅ Contact you

And today, it also needs to help 𝗚𝗼𝗼𝗴𝗹𝗲 𝗮𝗻𝗱 𝗔𝗜 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘄𝗵𝗼 𝘆𝗼𝘂 𝗮𝗿𝗲, 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗱𝗼, 𝗮𝗻𝗱 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝗱𝗼 𝗶𝘁.

If your website is outdated, limited, or simply not doing enough for your business, 𝘄𝗲 𝗰𝗮𝗻 𝘂𝗽𝗴𝗿𝗮𝗱𝗲 𝗶𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂.

No setup fee.
$𝟮𝟵𝟳/𝗺𝗼𝗻𝘁𝗵.

You get a modern business website along with tools designed to help you capture more opportunities and grow.

𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗻𝗼𝘄:
https://link.leadx22.com/sp/445f90c7f6b

07/16/2026

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚: 𝗔 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝘄𝗲𝗯𝘀𝗶𝘁𝗲 𝗰𝗮𝗻 𝗹𝗼𝗼𝗸 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝗿𝗶𝗴𝗵𝘁 𝗮𝗻𝗱 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝗹𝗼𝘀𝗶𝗻𝗴 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿𝘀.

Most business owners judge their website by its design.

Customers, Google, and AI-powered search tools are looking for something different: clarity, relevance, trust, and an obvious next step.

This week’s article reveals six problems that can exist even on a clean, modern website, including several most business owners would never notice by looking at the design alone.

Could your website have one of them?

Read the article:

https://link.leadx22.com/sp/6f59893b3c2