Cristi Voan - NMLS 2818209 EverHome Funding

10/30/2026

**Thinking About Purchasing or Investing in Commercial Real Estate?**

Whether you're a business owner looking for your own building, an investor expanding your portfolio, or a developer planning your next project, finding the right financing is key to making the numbers work.

Commercial financing isn't one-size-fits-all!

Depending on the property, borrower, and project, financing options may be available for:

🏢 **Commercial Property Purchases** — Office, retail, industrial, and other eligible properties

🔑 **Investment Properties** — Income-producing commercial real estate

🏗️ **Commercial Construction & Development** — Financing options for qualifying projects

💼 **Owner-Occupied Properties** — Helping business owners explore financing for the space they operate from

🔄 **Commercial Refinancing** — Evaluating options for existing commercial debt

With my background in both residential and commercial real estate, I understand that every transaction has its own challenges and opportunities.

**COMMERCIAL REALTORS & INVESTORS:** I'd love to connect and become a financing resource for your next opportunity!

📲 Let's discuss your project: **281-223-4494**

Cristi Voan | Mortgage Loan Officer
EverHome Funding | NMLS #2818209

*Commercial financing options are subject to lender and program availability, underwriting, borrower qualifications, and property eligibility.*

10/28/2026

**SELF-EMPLOYED? Your Tax Returns May Not Tell Your Whole Story!**

If you're a business owner, entrepreneur, or independent contractor, you probably know that qualifying for a traditional mortgage can sometimes be frustrating.

You may have a successful business, healthy cash flow, and money in the bank, but your tax returns don't always reflect your full financial picture.

**That's where Bank Statement Loan Programs may help!**

Depending on the program, qualifying borrowers may benefit from:

✅ Using personal or business bank statements to evaluate income

✅ Alternative income documentation instead of traditional tax-return-based qualification

✅ Financing options designed for self-employed borrowers

✅ Purchase and refinance opportunities

**REALTORS:** Have a self-employed buyer who was told they don't qualify for a traditional mortgage? Don't assume they're out of options!

I'd love the opportunity to review their situation and explore available financing solutions.

📲 **281-223-4494**

Cristi Voan | Mortgage Loan Officer
EverHome Funding | NMLS #2818209

*Bank statement programs are Non-QM mortgage products. Eligibility, documentation, down payment, and credit requirements vary by program. All loans are subject to underwriting and approval.*

10/26/2026

**Did You Know You May Be Able to Buy a Home With NO Down Payment?**

If you've been putting off buying a home because you're worried about saving for a down payment, USDA financing might be worth exploring!

USDA Rural Development loans offer some great benefits for eligible buyers:

✅ **100% financing** — No down payment required!

✅ Competitive interest rates

✅ Available to qualifying first-time AND repeat homebuyers

✅ Many eligible areas are closer to town than you might think!

And here's something that surprises a lot of people: **You don't have to buy a farm or have acreage to qualify!**

With so many rural communities throughout Southeast and East Texas, this is a financing option more buyers should know about.

📍 **REALTORS:** Have a buyer interested in a home outside the city? Let's check the property's USDA eligibility before ruling out their financing options.

📲 Call or text me at **281-223-4494**. I'd love to help you explore your options!

**Cristi Voan | Mortgage Loan Officer**
EverHome Funding | NMLS #2818209

*USDA financing is subject to property location, household income limits, credit approval, and program guidelines. Closing costs and other expenses may apply.*

10/22/2026

**Not Every Borrower Fits Into the Same Mortgage Box!**

One of the things I enjoy most about lending is helping people explore financing options they may not even know exist!

I'm focusing on three areas where I see tremendous opportunities to help buyers, business owners, and investors:

🌳 **USDA Rural Home Loans**
Dreaming of a home outside the city? Eligible buyers may qualify for **100% financing with no down payment** in qualifying rural areas.

💼 **Bank Statement Loans for Self-Employed Borrowers**
Own a business or work for yourself? Traditional tax returns don't always tell your full financial story. Certain loan programs allow qualifying income to be evaluated using bank statements instead.

🏢 **Commercial Financing**
Looking to purchase, refinance, or invest in commercial property? I can help you explore financing options for your next business or investment opportunity.

**And yes, I still offer traditional mortgage options, including Conventional, FHA, and VA loans!**

Whether you're a homebuyer, Realtor, business owner, or investor, I'd love to be a resource for you.

📲 **Let's talk about what's possible!**

Cristi Voan | Mortgage Loan Officer
EverHome Funding
📞 281-223-4494
NMLS #2818209

*All financing subject to credit approval, program guidelines, and eligibility requirements. USDA property and income restrictions apply. Commercial financing subject to program availability.*

10/05/2026

🏡 Clear to Close in just 7 DAYS! 🎉

There’s nothing better than getting that CTC—especially this fast! 🔑✨ A smooth loan process, happy clients, and closing day right around the corner.

Ready to make your move? Let’s get you home. 🏡💛

09/27/2026

Your income may look different on paper—but that doesn’t mean homeownership is out of reach. 🏡

If you’re self-employed or earn tips, bank statement loan options may offer another way to qualify.

Your income isn’t traditional. Your mortgage doesn’t have to be either. 😉

📲 Let’s see what you may qualify for.

09/25/2026

Calling all my Nurse Practitioner friends! 🩺🏡

I had to share this because this is one of those home loan programs that many people simply **don’t know exists**.

If you’re an eligible MSN or DNP Nurse Practitioner and homeownership is on your radar, there may be financing options available specifically for you—including the possibility of **100% financing and no mortgage insurance.**

Whether you’re ready to buy now or just want to know what you could qualify for, I’d be happy to walk you through the program and see if it could be a fit.

👉 **Thinking about buying? Send me a message with “NP” and let’s see what options are available to you!**

And if you know a Nurse Practitioner who could benefit from this program, **tag them or share this with them!** ❤️

Cristi Voan | Mortgage Loan Originator
EverHome Funding
NMLS #2818209

*Program eligibility and loan terms apply.*

A home for every dream. A future that lasts.
NMLS # 2379832

Serving the Great State of Texas

www.everhomefunding.com/texas-consumer-notice

09/25/2026

This is something I talk about with clients all the time! 🏡

Everyone wants to know the interest rate—and yes, the rate matters. But I’d much rather start by asking, **“What monthly payment are you comfortable with?”**

That number tells me so much more about how we should structure your loan.

My job isn’t just to quote you a rate. It’s to look at the whole picture—loan options, down payment, mortgage insurance, taxes, insurance, cash to close—and help you find a financing option that makes sense for **your budget and your goals**.

If buying a home is on your radar, even if you’re not quite ready yet, let’s talk. Sometimes knowing your numbers is the best place to start. ❤️🏡

Cristi Voan | Mortgage Loan Originator
EverHome Funding
NMLS #2818209