First-time buyers whose income needed explaining before a lender said yes.
How it was arranged: Income documented properly, then a credit union that accepts it.
SampleWhat this involves →
Examples
Six typical situations, in plain words
Two residential, two construction, two commercial, each one marked as a sample.
A bank offered only a renewal; a refinance folded in the debt.
How it was arranged: Self-employed income presented the lender's way, and the debts folded into one payment.
SampleWhat this involves →
A duplex build the first lender turned down; the second approved it.
How it was arranged: A clearer budget and build schedule, then a second lender who approved it.
SampleWhat this involves →
Owner-builders with mixed income, explained to a lender who said yes.
How it was arranged: Both incomes written up together, and stage payments that matched the real build.
SampleWhat this involves →
A clinic buying its own office, with a credit line arranged alongside.
How it was arranged: The office purchase and a business credit line placed with the same lender.
SampleWhat this involves →
Leases ending in the same year; the lender was shown the plan.
How it was arranged: Sized on the rent it collects, with the lease renewals set out in writing.
SampleWhat this involves →
What a real card will show
When consented deals replace these samples, each card carries four fields and nothing else: the deal type, the area, the problem that was solved and how long it took from first call to funding. No names, no addresses, no amounts and no rates. A client can recognise their own mortgage; nobody else can.
A card goes up only with the client's written consent, and comes down if they ask. The Done Rite stamp, the small ink mark on a card, appears only on a real deal that has funded. The samples above carry a Sample pill instead, and show no time to fund, because no time has been measured.
The "how it was arranged" line stays on real cards too, in the same plain words: what we did, not what the lender decided.