Justin Halsey

08/12/2026

Plenty of assets, but not enough monthly income to qualify for a mortgage?

There may be another way to look at it.

Have you been told you don’t qualify? Tell me what the roadblock was below, or message me if you’d rather keep it private.

08/08/2026

Just posted a new video covering 5 mortgage options that may work when traditional financing doesn’t.

If you’ve ever been told you don’t qualify, this one may be worth a watch.

And if you haven’t already, I’d really appreciate a follow on YouTube. I’m putting more educational videos like this together, and your support genuinely helps.

Denied for a mortgage or told you don’t qualify for traditional fin...

08/01/2026

A quick stop at Topsail Beach, followed by some delicious food at Seaside Pier Restaurant.

North Carolina is treating us well.

07/28/2026

Check out a few interesting mortgage programs that may help more people buy a home when traditional financing says no.

07/28/2026

Sometimes the normal mortgage box is not the right box.
Here are a few of my favorite options for situations that need a different approach:
Bank Statement Loans
“My business makes money. My tax return just looks like it lost a fight with my accountant.”
For some self-employed clients, bank deposits may show the business cash flow more clearly than taxable income.
DSCR Loans
“My rental property can pay for itself. Why are we talking about my day job?”
DSCR loans may allow investors to qualify primarily using the property’s expected rental
VA Loans
“I was told I already used my VA loan, so apparently it disappeared forever.”
VA loans are common, but they are often misunderstood. Entitlement may be reusable, and partial entitlement does not always mean a large down payment is required.
income.
Wealth Builder
“I want to attack my mortgage like it personally offended me, but I still want access to my equity.”
The Wealth Builder combines features of a first mortgage and a line of credit.
Buy Before You Sell
“I found the next house, but mine has not sold yet, and the seller does not care about my emotional journey.”
Buy Before You Sell options may help clients make an offer without a home-sale contingency.
Jumbo Loans
“Luxury called. Traditional loan limits sent it straight to voicemail.”
Jumbo financing is designed for loan amounts above standard conforming limits.
Reverse Mortgage
“My house has been building equity for years. It is time for it to get a job.”
A reverse mortgage may eliminate the required monthly principal and interest payment or provide another way to access equity during retirement.
ITIN Loans
“I pay taxes, work, save money, and want to own a home. I just do not have a Social Security number.”
Some mortgage programs allow eligible clients to qualify using an ITIN.
Asset Utilization
“My paycheck is not impressive, but my investment account looks like it owns a top hat and a private railroad.”
Asset-utilization programs may allow eligible savings, retirement funds, or investments to help create qualifying income.
These programs are not the right fit for everyone, but they can create options when traditional financing does not tell the whole story.

06/01/2026

VantageScore® can generate a score with as little as 1 month of credit history. Your on-time rent, utility and even phone bill payments could help build your score. Call me to learn more!

05/26/2026

VA Loans Made Simple: What Veterans Need to Know Before Buying a Home

VA loans are one of the most powerful mortgage benefits available today, yet they are still widely misunderstood. Every year, I speak with veterans and military families who have been told they need a large down payment, perfect credit, or that VA loans are difficult to use in today’s market. The reality is very different. VA loans were designed to help veterans and active-duty service members become homeowners more affordably, and in many situations, they offer advantages that other loan programs simply cannot match....

Uncover the truths behind VA loans! Discover benefits, myths, and tips for veterans navigating homeownership in today's market.

05/04/2026

HUD says real estate agents can now discuss crime and school data. But it has to be objective, they can't say "this school is bad," you have to stick with the facts.
States may vary, so check your local rules.
What do you think, is this more transparency, or will it open the door to steering?