Tim Rhey Team

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Tim Rhey Team Tim Rhey, True Rate Mortgage Group, Powered by Altamont Funding, an Equal Housing Lender. Xpert Home Lending, Inc.

https://www.true-rate.com/

IMPORTANT: True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. XHL does not provide legal, tax, or financial planning advice. NMLS Consumer Access: https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspx

Privacy Policy:
https://www.true-rate.com/privacy-policy/

No employment? No traditional income documentation? You may still have options.This is one of the more flexible mortga...
10/06/2026

No employment?
No traditional income documentation?
You may still have options.

This is one of the more flexible mortgage programs available for borrowers who may not fit inside the normal W-2, paystub, and tax return box.

This can be a strong option for:

Self-employed borrowers
Business owners
Investors
Retirees
Borrowers with strong assets
Clients with non-traditional income
People who look stronger financially than their tax returns show

Instead of qualifying the traditional way, certain programs may allow alternative documentation or other qualifying methods depending on the full loan scenario, credit profile, assets, property type, down payment, and overall risk.

This is not for every borrower, and it is not a free pass. But for the right client, it can be a game changer.

Smart move: know your options before assuming you cannot qualify.

Text “OPTIONS” or call 970-786-0222 and let’s find the right loan strategy.

Timothy Rhey | NMLS #883312
Altamont Funding, Inc. | NMLS #2603233
Not all borrowers or properties will qualify. Program availability, rates, terms, and conditions are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

DON’T JUST GET A LOAN. GET THE RIGHT ONE. 🔥Anybody can throw out a rate.The real question is:Are you getting the right l...
08/06/2026

DON’T JUST GET A LOAN. GET THE RIGHT ONE. 🔥

Anybody can throw out a rate.

The real question is:
Are you getting the right loan strategy…
with the right terms…
at the right price…
without getting taken advantage of?

That’s where True Rate comes in.

We help you shop smart, compare real options, cut through the noise, and make sure your mortgage actually fits your life — whether you’re buying or refinancing.

Better rates.
Better decisions.
No games.

If you want a smarter mortgage plan, let’s talk.

Text “LETSGO” or call 970-786-0222

HomeBuying RealEstate BetterRates MortgageAdvice TimRhey

Business owners don’t always fit inside a tax return.That’s why Bank Statement Loans exist.Use your cash flow. Skip the ...
03/06/2026

Business owners don’t always fit inside a tax return.

That’s why Bank Statement Loans exist.

Use your cash flow. Skip the box. Move faster.

At True Rate, we’re focused on one thing: helping entrepreneurs get the financing they deserve.

Bank Statement Loans. All Day Long.

BankStatementLoan

02/06/2026

Down payment assistance can make sense. We’ve got one that is forgivable after 3 or 5 years, and does not have an income limitation.

02/06/2026

Mortgage Market Update — June 1, 2026

Rates are starting the week jumpy again.

The big driver right now is the Iran conflict and the renewed concern around oil, inflation, and the bond market. When oil prices rise or supply concerns grow, markets start worrying that inflation could stay higher for longer.

And when inflation fear goes up, bonds usually don’t love it.

That matters because mortgage rates are heavily tied to the bond market. So when bonds get volatile, mortgage pricing can move quickly — sometimes in the wrong direction before most people even realize what happened.

01/06/2026

Many homeowners are using equity on their homes to buy down their interest rate.

Big news for True Rate.We’re using smarter mortgage technology through Pylon to help create a cleaner, faster, and more ...
28/05/2026

Big news for True Rate.

We’re using smarter mortgage technology through Pylon to help create a cleaner, faster, and more efficient loan experience.

The goal is simple:

Lower lender costs should mean better borrower options.

Less paperwork.
Faster updates.
Better mortgage experience.

That’s what modern lending should feel like.

Text “BETTER MORTGAGE” or call 970-786-0222 to explore your options.

True Rate | Powered by Altamont Funding
Altamont Funding, LLC | NMLS #260333
Not a commitment to lend. Terms, conditions, and qualification requirements apply. Not all borrowers or properties will qualify. Rates, programs, and availability are subject to change without notice. For licensing information, visit nmlsconsumeraccess.org.

Big news for True Rate.We’re partnering with Pylon to bring smarter mortgage technology into the loan process — designed...
26/05/2026

Big news for True Rate.

We’re partnering with Pylon to bring smarter mortgage technology into the loan process — designed to help create a faster, cleaner, and more efficient experience for borrowers.

Less paperwork.
Faster updates.
Better mortgage options.

The goal is simple: when technology helps reduce the cost and friction behind the scenes, borrowers should have access to better options on the front end.

Text “BETTER MORTGAGE” or call 970-786-0222 to explore your options.

True Rate | Powered by Altamont Funding
Altamont Funding, LLC | NMLS #260333
Not a commitment to lend. Terms, conditions, and qualification requirements apply. Not all borrowers or properties will qualify. Rates, programs, and availability are subject to change without notice. For licensing information, visit nmlsconsumeraccess.org.

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