Bethany Homes 73008

Bethany Homes 73008 Helping you find your home in Bethany

Nearly 17 million Americans are formally self-employed, earning income through freelance work, contract gigs, or side bu...
07/17/2026

Nearly 17 million Americans are formally self-employed, earning income through freelance work, contract gigs, or side businesses that have become full-time careers.

The traditional mortgage process tries to put them all into the same box, leading to confusion and frustration.

Non-QM lending doesn't.

If you're able to show consistent income on your bank statements, 1099s, or a combination of both, there could be a path to homeownership that works around your situation. Learn more at

https://www.castlecookemortgage.com/self-employed-home-loans D._Caplinger

The reality is that self-employed borrowers have a difficult time qualifying for a traditional mortgage. Because the tra...
07/16/2026

The reality is that self-employed borrowers have a difficult time qualifying for a traditional mortgage. Because the traditional mortgage model wasn't made for them.

When it comes to Non-QM lending for self-employed borrowers, our team looks at 12 months of personal or business bank statements. We calculate average monthly deposits. Examine your credit, assets, and overall financial picture.

If you've been worried or frustrated about traditional mortgages and putting off the decision to buy a home, now's a good time to have that conversation. Click or tap the link below to get pre-qualified today.

[email protected]" rel="ugc" target="_blank">https://apply.castlecookemortgage.com/homehub/signup/[email protected]

That's pretty much how a DSCR (Debt Service Coverage Ratio) loan works.Instead of looking at your personal income, we lo...
07/15/2026

That's pretty much how a DSCR (Debt Service Coverage Ratio) loan works.

Instead of looking at your personal income, we look at the rental income the property either generates or is projected to generate and compare it to the mortgage payment. If the rental income covers the debt, you're in good shape.

This is a great way for real estate investors to start building a portfolio. Learn more at

https://www.castlecookemortgage.com/investor-loans D._Caplinger

Asset Qualification loans are made for borrowers who have significant assets but don't have traditional earned income. I...
07/14/2026

Asset Qualification loans are made for borrowers who have significant assets but don't have traditional earned income. In most cases retirees and those living off successful investments, or in some cases business owners who sold and cashed in and are between ventures.

Here's how it works: Your liquid assets are calculated over a set period and used to determine qualifying income. You don't need a W2 or even a paycheck. You need assets, as well as a loan officer like me who knows how to work with them.

If that sounds like your situation, contact me to get learn more.

https://castlecookemortgage.com/chad-caplinger

This week we focused on the gap between how people actually earn money vs how the traditional mortgage systems measures ...
07/13/2026

This week we focused on the gap between how people actually earn money vs how the traditional mortgage systems measures it. And we closed that gap with Non-QM lending options.

Whether you're looking for bank statement loans, asset qualification, or work in an area other lenders wouldn't touch with a ten foot pole, Non-QM home loans were built for you.

If any of the posts from this week sound like your unique situation, the next step is a conversation. I'm ready when you are.

https://castlecookemortgage.com/chad-caplinger

Here's how we work out the numbers for a DSCR home loan.If a property generates $2000 a month in rent, and the mortgage ...
07/11/2026

Here's how we work out the numbers for a DSCR home loan.

If a property generates $2000 a month in rent, and the mortgage payment is $1600, then the Debt Service Coverage Ratio (DSCR) is 1.25, meaning the investment property brings in 25% more, making it a qualifying loan.

Many DSCR programs look for a ratio of 1 or above, which the rent at minimum at least covers the payment.

The whole point of this loan program is your personal income isn't all of the equation, with the property doing the heavy lifting.

Learn more at

https://www.castlecookemortgage.com/investor-loans D._Caplinger

No SSN? No problem!If you have an ITIN (Individual Taxpayer Identification Number), you still could qualify for a home l...
07/10/2026

No SSN? No problem!

If you have an ITIN (Individual Taxpayer Identification Number), you still could qualify for a home loan.

ITIN loans are made for non-permanent residents who have established credit, file taxes, and built a stable financial life. Many traditional lenders won't even go there. We can.

Lean more about your options at

https://www.castlecookemortgage.com/itin-home-financing-options D._Caplinger

Life happens.Financial setbacks. Divorce. Medical emergencies. A business that didn't make it.The traditional mortgage m...
07/09/2026

Life happens.

Financial setbacks. Divorce. Medical emergencies. A business that didn't make it.

The traditional mortgage machine has long memories and a short patience for anything looking like trouble in your past.

For those who have experienced setbacks like these, but have bounced back and spent the last few years rebuilding, there may just be a path toward homeownership sooner than you think.

Reach out today and fill me in - we can review all your options.

https://castlecookemortgage.com/chad-caplinger

Address

13751 South Wadsworth Park Drive, Suite 101
Edmond, OK
84020

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14052234314

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