Barb Patterson - Mortgage Specialist - NMLS #1589106

Barb Patterson - Mortgage Specialist - NMLS #1589106 Leading Mortgage Lender 🏦💰🏡
with solutions for residential and commercial buyers. Ease Mortgage | NMLS #2273319
Sr. Equal Housing Lender.

Loan Officer | CDLP | NMLS #1589106
LoansByBarb.com
©2026 Cornerstone First Mortgage, LLC.

I recently worked with a self-employed borrower who had strong cash flow but didn't qualify conventionally.Alternative f...
06/18/2026

I recently worked with a self-employed borrower who had strong cash flow but didn't qualify conventionally.

Alternative financing helped solve the problem.

Every scenario is unique, but this is exactly why I believe in second opinions.

If you've assumed the answer is "no," let's have a conversation.

Read the full article to stay in the know . . .
06/17/2026

Read the full article to stay in the know . . .

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' ...
06/16/2026

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' insurance.

When ownership of a property changes, the insurance policy usually needs to change too. Skipping that step may lead to coverage gaps, denied claims, and costly surprises long after the divorce is finalized.

As a Certified Divorce Lending Professional (CDLP®), I help divorcing homeowners see how mortgage financing, property ownership, and other housing decisions shape their long-term financial picture. Catching an issue like this early is often the difference between a clean transition and an expensive mistake.

If you have questions about your situation or how divorce may affect your housing options, reach out anytime. The article below is a good place to start.

https://www.divorcelendingassociation.com/offices/barb-patterson.cfm



Self-employed borrowers often assume they have the same options as everyone else—or no options at all.The truth is, ther...
06/16/2026

Self-employed borrowers often assume they have the same options as everyone else—or no options at all.

The truth is, there may be more solutions available than you realize.

If you've been putting off buying or refinancing because you don't think you'll qualify, it may be worth exploring your options.

One of the biggest misconceptions I hear:"I can't qualify because my tax returns don't show enough income."In some cases...
06/13/2026

One of the biggest misconceptions I hear:

"I can't qualify because my tax returns don't show enough income."

In some cases, bank statements may provide another path. Every situation is different, but it's worth asking the question.

If you're wondering whether this might apply to you, I'm happy to take a look.

There’s something special about June. ☀️🏡 Longer days, warmer evenings, and a feeling that anything is possible. It’s th...
06/12/2026

There’s something special about June. ☀️🏡 Longer days, warmer evenings, and a feeling that anything is possible. It’s the season of backyard barbecues, evening walks through the neighborhood, and making memories at home with the people you love. If we could bottle up that feeling and keep it all year long, I think a lot of us would.

Being denied doesn't always mean homeownership isn't possible.Especially for self-employed borrowers, it sometimes means...
06/11/2026

Being denied doesn't always mean homeownership isn't possible.

Especially for self-employed borrowers, it sometimes means the wrong loan program was used.

If you've been told "no," a second opinion may be worth it.

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.Suppor...
06/09/2026

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.

Support income that hasn't seasoned. An equity buyout structured the wrong way. A settlement that looks fair on paper but falls apart at the closing table.

As a Certified Divorce Lending Professional (CDLP®), this is exactly what I'm trained to catch — and prevent. I work where family law, tax, and mortgage financing intersect, so the plan holds up long after the ink dries.

Education is the strategy. If you're facing a mortgage decision in divorce, let's talk before the terms are final.

One of the most frustrating parts of my job is seeing self-employed people turned down because someone only looked at th...
06/09/2026

One of the most frustrating parts of my job is seeing self-employed people turned down because someone only looked at their tax returns instead of the whole picture.

If you've been told you don't qualify because "you write too much off," it may be worth getting a second opinion. There are options many borrowers don't realize exist.

Feel free to message me if you'd like me to take a look at your situation.

Read the full article to stay in the know.
06/08/2026

Read the full article to stay in the know.

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Libertyville, IL

Telephone

+18476509228

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