Brad Osterman The Mortgage Colonel

06/04/2026

Save this if you’ve heard VA loans are harder, slower, or weaker offers.

A lot of veterans miss out on benefits they earned because of outdated advice.

VA loans can be powerful.
Lower barriers, flexible guidelines, and no PMI for many buyers.

The problem is usually not the VA loan.
It is working with someone who does not understand how to use it properly.

Know your benefits before you decide they are not for you.

06/02/2026

VA refinance of a private money renovation project with an ADU. Reach out if you want to learn more about this unique situation and how we got it done.

06/02/2026

5.0 star review received on Experience.com for Brad Osterman by Corinne W - Brad was super friendly and always available for a call or question!

06/02/2026

When the math gets creative... 🧠

05/29/2026

Save this post if you think self-employed borrowers can’t qualify for a mortgage.

Three self-employed family members.
Three income streams.
Three tax situations.

Most lenders saw a mess.
I saw a strategy.

We combined assets, structured the income correctly, and documented everything for underwriting approval.

The result?
A father, son, and daughter-in-law bought one home together, creating stability for three generations.

Creative lending is not about forcing deals.
It is about understanding the full picture and building the right plan.

That is the difference experience makes.

05/28/2026

Thrilled to be a part of this ckient's first home purchase along with my spectacular real estate team mate Melissa Pranzo. Congratulations to Corinne.

05/27/2026

Congatulations to the Stewart family for their successful closing. watch out Pearland, TX. Sholanda is home!

05/27/2026

A repeat investor freeing up existing equity in his multi-family property in order to add another income producing property into his portfolio. Congratulations Matt L. DM me if you want to learn about strategies to increase potential cash flow and equity using existing equity in you rportfolio.

05/27/2026

Save this if your situation isn’t “perfect.”

Some loans only close because someone refused to quit.

Most lenders walk away when things get complicated:

• self-employed income
• job changes
• gaps in employment
• investor income that doesn’t fit the box

But here’s the truth:

There is almost always a solution…
if you know where to look.

Every borrower is different.
Your loan should be too.

05/23/2026

4.5 star review received on Experience.com for Brad Osterman by Kathleen O - The communication which is very important for me particulary as the listing agent.

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