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 |

Saturday, Sunday, or Labor Day, your home loan needs don’t have to wait.Whether you’re touring homes, need a pre-approva...
09/04/2026

Saturday, Sunday, or Labor Day, your home loan needs don’t have to wait.

Whether you’re touring homes, need a pre-approval, or have questions about financing, I’m available throughout the holiday weekend and ready to help.

Call or text me at 541-579-3430.

A complex loan file deserves more than a quick checklist review.Behind the scenes, the goal is to understand the complet...
09/04/2026

A complex loan file deserves more than a quick checklist review.

Behind the scenes, the goal is to understand the complete financial picture: not force every borrower into a standard box.

A mortgage professional may review:
• Income calculations and supporting documentation
• Assets, down payment funds, and required reserves
• Property type, occupancy, and loan purpose
• Credit history and overall obligations
• Program guidelines and eligibility

The right approach depends on the full story presented by the documentation. That’s especially important for borrowers across Oregon: including Lane, Linn, Benton, and Douglas counties: as well as Washington and Arizona.

Have questions about how your file may be evaluated? If your file doesn’t fit the box, email me ‘REVIEW’.

Non-QM does not mean “no qualification.”MYTH: Non-QM loans are only for borrowers with bad credit.REALITY: Non-QM means ...
09/03/2026

Non-QM does not mean “no qualification.”

MYTH: Non-QM loans are only for borrowers with bad credit.

REALITY: Non-QM means a different qualification or documentation path. These options may be considered for self-employed borrowers, investors, and buyers with complex income: not just people with credit challenges.

Credit still matters. So do assets, reserves, down payment, debt, and other requirements. Guidelines vary by program, and approval is never automatic.

The right question isn’t, “Do I have perfect credit?” It’s, “Which documentation path best fits my full financial picture?”

Serving borrowers across Oregon: including Lane, Linn, Benton, and Douglas counties: Washington, and Arizona.

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

Could a rental property qualify for DSCR financing?Hypothetical educational scenario: not a real client story:An investo...
09/02/2026

Could a rental property qualify for DSCR financing?

Hypothetical educational scenario: not a real client story:

An investor is reviewing a potential rental in Oregon, Washington, or Arizona. Some DSCR programs evaluate the property’s qualifying rental income in relation to its proposed debt payment, rather than relying only on personal income.

But that ratio is just one part of the review. Eligibility may also depend on:

• Credit profile
• Down payment
• Reserves
• Property type
• Occupancy
• Documentation
• Specific program guidelines

So the key question isn’t simply, “Does the rent cover the payment?” It’s, “How does the full scenario fit the program?”

Considering an investment property in Lane, Linn, Benton, or Douglas County: or elsewhere in Oregon, Washington, or Arizona?

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

08/31/2026

Getting into your next home early makes a huge difference for your money.

Research shows that people who buy a house by age 32 end up with 22 percent more wealth later in life.

You don't need a perfect plan. You just need to start early. Starting early lets you build equity and watch your house go up in value over time. Getting in the game is what matters.

Call us to talk about your next steps.

A Friday loan-file review is about more than checking boxes. It’s about making sure the full picture is documented clear...
08/28/2026

A Friday loan-file review is about more than checking boxes. It’s about making sure the full picture is documented clearly.

The review typically covers:
• Income documentation and consistency
• Assets, funds to close, and reserves
• Property details and intended use
• Loan purpose and borrower goals
• Program guidelines and eligibility requirements

For homebuyers and homeowners in Eugene, Lane, Linn, Benton, and Douglas counties, careful review can help identify questions early and keep the process moving with fewer surprises.

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

Myth: Non-QM loans are only for borrowers with bad credit.Reality: Non-QM (non-qualified mortgage) loans can provide an ...
08/27/2026

Myth: Non-QM loans are only for borrowers with bad credit.

Reality: Non-QM (non-qualified mortgage) loans can provide an alternative way to document income, assets, or overall financial strength. They’re often considered by self-employed borrowers, investors, and buyers with complex income that may not fit traditional guidelines.

Non-QM does not mean “no qualification” or automatically lower standards. Credit, assets, reserves, down payment, and other requirements still apply: and guidelines vary by program and lender.

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

Serving homebuyers and investors across Oregon: including Lane, Linn, Benton, and Douglas counties: as well as Washington and Arizona.

Your low mortgage rate may not have to keep you stuck in the same house forever.The proposed MOVE Act could expand acces...
08/27/2026

Your low mortgage rate may not have to keep you stuck in the same house forever.

The proposed MOVE Act could expand access to portable mortgages, potentially allowing homeowners to transfer their current rate, term, and remaining balance to their next home.

That means you could move for more space, a new job, or a different lifestyle without automatically giving up the mortgage you already have.

It’s not available yet, but if this legislation passes, would it make you consider moving?

08/26/2026

Being self-employed shouldn’t keep you from buying a home.

If your tax returns don’t reflect what your business actually earns, a bank statement loan may use 12–24 months of deposits to verify your cash flow instead.

This can be a great option for business owners, freelancers, and independent contractors who earn well but take advantage of legitimate tax write-offs.

Tired of being told no? Message us and let’s see what may be possible.

General educational scenario: not a client story:A rental property may be evaluated partly on its ability to support its...
08/26/2026

General educational scenario: not a client story:

A rental property may be evaluated partly on its ability to support its proposed debt payments.

With some DSCR loan programs, the lender may review the property’s qualifying rental income and proposed housing payment rather than relying solely on the investor’s personal income.

That may be relevant for investors in Oregon, Washington, and Arizona. However, guidelines vary by program, and approval is never automatic. Lenders may also consider rent documentation, property type, down payment, credit, reserves, occupancy, and the calculated ratio.

Considering a rental purchase or refinance?

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

Address

1142 Willagillespie Ste 9
Eugene, OR
97401

Opening Hours

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

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