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Members Direct Home Loans Members Direct Home Loans is an independent mortgage brokerage serving DFW homebuyers and real estate investors since 2002. S/E, Retired, Side Hustle =TrueDTI

With access to 50+ programs, 30+ years of experience, we find the right loan—not just any loan. Kelly Welton is a "go-to" expert within the industry. He is a licensed mortgage broker with over 24 years of sales and operations experience. A graduate of Western Washington University, Kelly has managed teams at all levels ranging from a small team with 3 members to managing a large group with well over 400 team members under his direct leadership. Kelly is an active member within the community through youth sports, fundraising and social functions.

Let me break this down for you. 👇Standard DTI (debt-to-income ratio) is how almost every lender qualifies buyers. It loo...
04/02/2026

Let me break this down for you. 👇

Standard DTI (debt-to-income ratio) is how almost every lender qualifies buyers. It looks at gross monthly income vs. monthly debt obligations.

The problem? It penalizes:
✗ Self-employed buyers with write-offs
✗ Gig workers with variable income
✗ Retirees drawing from assets
✗ Investors with complex income structures

True DTI is different.

It looks at the full, real-world financial picture — bank statements, asset depletion, rental income, business revenue trends, and more.

The result? More of your buyers qualify. More transactions close. More five-star reviews land on your profile.

Our average close time is 22 days. Our close rate is over 95%.

That's what the right methodology + the right partner actually looks like.

👇 Let's talk about your pipeline.

🔗 mdnloans.com/truedti

HASHTAGS

03/31/2026

📊 $1M in assets = $27,778/mo in qualifying income
📊 Industry standard: $8,333–$16,667/mo from the same accounts

If your buyer is asset-rich and income-light — retired, self-employed, or living off investments — I need 10 minutes of your time.

A deal falls apart.It feels like one loss — but it ripples.💔 Lost commission.📵 Lost referral.⭐ Lost review.📉 Lost mo...
03/31/2026

A deal falls apart.

It feels like one loss — but it ripples.

💔 Lost commission.
📵 Lost referral.
⭐ Lost review.
📉 Lost momentum.

And the worst part? It usually wasn't your buyer's fault. It was the calculation your lender used.

Standard DTI was built by banks, for banks. It's not designed to find creative paths — it's designed to protect the bank's risk.

That's not a lending problem. That's a partner problem.

The right lending partner sees opportunities where others see obstacles. We find the path when other lenders walk away.

👇 Schedule a call and let's talk about what we can do for your pipeline.

🔗 mdnloans.com/truedti

Your buyer has $500K in savings. Most lenders give them $5,833/mo in qualifying income.We give them $13,889/mo. Same mon...
03/30/2026

Your buyer has $500K in savings. Most lenders give them $5,833/mo in qualifying income.
We give them $13,889/mo. Same money. Different program.

Your buyers have savings. They deserve a lender who actually uses those savings to qualify them.

Most lenders divide assets by 60–20 months when calculating qualifying income.

We divide by 36.

That means every dollar your buyer has saved works significantly harder toward qualifying — without touching a single account.

📊 $1M in assets = $27,778/mo in qualifying income
📊 Industry standard: $8,333–$16,667/mo from the same accounts

If your buyer is asset-rich and income-light — retired, self-employed, or living off investments — I need 10 minutes of your time.

📲 469-436-7255
🌐 MDNLoans.com
Kelly Welton · NMLS #314183 · Members Direct Home Loans NMLS #1143904

But did they — really?Most lenders are still running debt-to-income calculations that were literally designed to say no ...
03/27/2026

But did they — really?

Most lenders are still running debt-to-income calculations that were literally designed to say no to buyers who are actually ready to buy.

Self-employed. Gig income. Investment properties. Non-traditional earners.

True DTI looks at the full financial picture — not just the narrow snapshot that kills deals.

More of your buyers qualify than you think. You just need a lender who can see it.

👇 Find out what's possible for your next "unqualifiable" buyer.

🔗 mdnloans.com/truedti

VA loans provide a powerful path to homeownership. With likely no down payment and competitive rates, these options are ...
01/30/2025

VA loans provide a powerful path to homeownership. With likely no down payment and competitive rates, these options are designed to honor your service. Welcome home!
Contact Us Today! 855-444-9878
Visit: www.myeasyloans.net/purchase-loans

What if you could afford to buy your first home with only a couple of months’ worth of rent? With the lower down payment...
01/30/2025

What if you could afford to buy your first home with only a couple of months’ worth of rent? With the lower down payment requirements of FHA loans, this option may be within reach! Stop paying your landlord’s mortgage and begin building equity today.
Contact Us Today! 855-444-9878
Visit: www.myeasyloans.net/purchase-loans

The homebuying process doesn't have to be a hassle just because you're self-employed. Reach out to us to learn what opti...
01/29/2025

The homebuying process doesn't have to be a hassle just because you're self-employed. Reach out to us to learn what options you have as a self-employed borrower!
Contact Us Today! 855-444-9878
Visit: www.myeasyloans.net/purchase-loans

This National Plan for Vacation Day, consider a cash-out refinance to fund your dream getaway. Unlock your home's equity...
01/28/2025

This National Plan for Vacation Day, consider a cash-out refinance to fund your dream getaway. Unlock your home's equity up to 89.99% to cover travel expenses, making that vacation a reality. Start planning today!
www.myeasyloans.net/refinance-loans

Are you holding off on buying a home because you think you need a 20% down payment? Think again! There are various loan ...
01/27/2025

Are you holding off on buying a home because you think you need a 20% down payment? Think again! There are various loan options available that only require 3% down. Give me a call to see if you qualify. Contact Us Today! 855-444-9878
Visit: www.myeasyloans.net/purchase-loans

Address

5830 Granite Parkway # 100/213
Plano, TX
75024

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 3pm
Saturday 9am - 1pm

Telephone

(855) 444-9878

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