Jeff Nunley Mortgage Advisor, NMLS 257282

Jeff Nunley Mortgage Advisor, NMLS 257282 Get a review/pre-screen at https://bit.ly/4uNUyTx Also licensed by the CA-DFPI under the CFL #6036566.

I help self‑employed borrowers and investors in Oregon, Washington, and Arizona qualify using bank statements, P&Ls, assets and DSCR—no traditional W‑2 or tax returns needed. Jeff Nunley, Loan Officer, NMLS #257282 | Nova Financial & Investment Corporation, DBA NOVA® Home Loans, NMLS #3087 | BK 0902429 | Licensed by the Department of Financial Protection and Innovation under the California Reside

ntial Mortgage Lending Act #4131230. Loans made or arranged pursuant to a California Financing Law License. | https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087 | Equal Housing Opportunity |

If it feels like your paycheck disappears the moment it hits your account, you're not alone.High-interest debt can make ...
06/11/2026

If it feels like your paycheck disappears the moment it hits your account, you're not alone.

High-interest debt can make it difficult to save, invest, or get ahead financially. What many homeowners don't realize is that the equity they've built in their home may provide options to simplify their finances and potentially lower their monthly obligations.

The goal isn't just to move debt around. It's to create a plan that improves cash flow and helps you take back control of your budget.

Every situation is different, but if credit cards, personal loans, or other debts are putting pressure on your finances, it may be worth exploring your options.

Reach out if you'd like to review your numbers and see what strategies may be available to you.

Life happens. A bankruptcy or foreclosure can feel like a "game over" for your homeownership goals. But here is a truth ...
06/11/2026

Life happens. A bankruptcy or foreclosure can feel like a "game over" for your homeownership goals. But here is a truth that might surprise you: You don’t always have to wait seven years to buy again.

At NOVA Home Loans, we specialize in what we call "Second Chance" financing. We have access to programs that allow for home buying just ONE DAY out from a major credit event like a foreclosure or bankruptcy.

Whether you are looking in Lane, Linn, Benton, or Douglas County, the path to a new home might be much shorter than you think. We look at the whole picture, not just a credit score or a past setback. My goal is to demystify the lending process and find creative solutions tailored to your specific situation.

If you have been told "no" by traditional lenders because of your credit history, don’t lose hope. There are paths forward designed specifically for those who need a fresh start and are ready to build for the future.

If your file doesn’t fit the box, email me ‘REVIEW’ and I’ll tell you in 24 hours if there’s a non‑QM path.

Thinking about growing your rental portfolio but worried your personal income might slow you down?Myth: You need a high ...
06/10/2026

Thinking about growing your rental portfolio but worried your personal income might slow you down?

Myth: You need a high personal income or a low debt-to-income ratio to qualify for your next investment property.

Reality: DSCR (Debt Service Coverage Ratio) loans change the game. Instead of looking at your tax returns or personal paystubs, these loans qualify you based on the property’s cash flow.

If the rental income covers the mortgage payment, the property can qualify itself. This is a powerful tool for investors in Oregon, Idaho, Washington, and Arizona looking to scale quickly without the traditional red tape.

Stop letting personal debt-to-income ratios cap your growth. Whether you’re looking in Lane County or across the Northwest, there’s likely a path for you.

If your file doesn’t fit the box, email me ‘REVIEW’ and I’ll tell you in 24 hours if there’s a non‑QM path.

Being your own boss is the dream, but when it comes to buying a home, tax season can sometimes feel like a hurdle. 💼 Tra...
06/09/2026

Being your own boss is the dream, but when it comes to buying a home, tax season can sometimes feel like a hurdle. 💼

Traditional mortgage lenders typically look at the “bottom line” on your tax returns to determine how much you qualify for. But if you’re a savvy business owner with significant write-offs, that number might not accurately reflect your actual cash flow or buying power.

That’s where Bank Statement Loans offer a creative solution. This program allows self-employed borrowers to qualify based on 12 to 24 months of actual bank deposits rather than just tax returns. It’s an educational scenario that many entrepreneurs use to demonstrate their financial strength using real-world income.

Whether you’re growing a business in Oregon, Washington, Idaho, or Arizona, we believe your entrepreneurial spirit should be an asset, not a roadblock.

If your file doesn’t fit the box, email me ‘REVIEW’ and I’ll tell you in 24 hours if there’s a non‑QM path for you. 🤝

06/08/2026

A huge thank you to Aaron for trusting our team throughout the home financing process.

Buying a home is a major milestone, and we're grateful for the opportunity to help make the journey as smooth and stress-free as possible. Our goal is always to provide clear communication, consistent updates, and a great experience from start to finish.

If you're thinking about buying a home, refinancing, or simply want to explore your options, reach out today. We'd love the opportunity to help you achieve your goals.

Big money tends to follow long-term trends, not short-term headlines.That's why a $6.8 billion investment in homebuildin...
06/05/2026

Big money tends to follow long-term trends, not short-term headlines.

That's why a $6.8 billion investment in homebuilding is getting so much attention. It signals confidence that people will continue buying homes, building equity, and creating wealth through real estate for years to come.

While many are focused on today's interest rates, major investors are focused on where housing demand will be five, ten, and twenty years from now.

What does that mean for buyers?
It means opportunities still exist, even in a changing market. The key is having a strategy that fits your goals, your timeline, and your finances.

The buyers who win aren't always the ones who wait for the perfect market. They're the ones who prepare, understand their options, and are ready when the right opportunity comes along.

If you're thinking about buying a home and want to know what makes sense in today's market, let's talk.

Not every financial story fits into a neat little box.When you’re self-employed, an investor, or have a unique income st...
06/05/2026

Not every financial story fits into a neat little box.

When you’re self-employed, an investor, or have a unique income structure, traditional lending can often feel like a brick wall. Most institutions look for a very specific set of checkboxes, and if you don’t hit them all, the answer is usually a quick "no."

Behind the scenes, my job is to look past those checkboxes. Analyzing a complex file isn't about finding reasons to decline; it's about finding the creative path to "yes." Whether it’s using bank statements to verify income or looking at the cash flow of an investment property, there are specialized non-QM paths that traditional lenders simply don't offer.

I spend the time digging into the details: tax returns, 1099s, and asset statements: to build a case that makes sense for your goals. If your situation is unique, you don't need a computer to scan your file; you need a partner to analyze it.

Check out our specialized options for self-employed borrowers here: https://bit.ly/NOVASelfEmployed

If your file doesn’t fit the box, email me ‘REVIEW’

Today on Thank You Day, we want to say it simply: thank you. 🙏 Thank you to every client who trusted us with one of the ...
06/05/2026

Today on Thank You Day, we want to say it simply: thank you. 🙏 Thank you to every client who trusted us with one of the biggest decisions of your life. Thank you to our referral partners, our communities, and our team. Helping people find home is the honor of a lifetime.
https://myoc.io/jeffn

06/04/2026

Sometimes the most important thing you can do for a client is just not give up.

We just got final loan approval for a client we have been working for nearly a year. It's a refinance and he just wasn't in the position to get it closed but we kept working at it and helping him get where he needed to be and about an hour ago I received that all important email saying that we were clear to close.

We work on hard deals all the time and thankfully most of them don't take this long to get done. But the important thing is that we stuck with it (so did our client) and he's about to get the money he needs. I'd like to believe that all mortgage companies and all mortgage teams would work this hard for a client, but I think we all know that's not always the case.

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1142 Willagillespie Ste 9
Eugene, OR
97401

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