For builders and new home sales teams

Keep your preferred lender. Send me the buyers they can't approve.

Your buyers want the home and earn the money. Their paperwork just doesn't fit a standard loan.

Your in-house lender stays first. I only see the buyers who would have walked.

Text Cheryl Send a Scenario Form

Send me the buyer who

Is paid on a 1099, including trades and subcontractors
Earns commission, tips, bonus or overtime
Has an ITIN or a work visa instead of a Social Security number
Was declined by your preferred lender
Fell out before closing but still wants the home
Speaks Spanish. Se habla español

Buyers I can help

Don't let these buyers walk

IRS Form 1099-NEC for independent contractor income

1099 and commission buyers

FastTrax FHA verifies income with a VOE, not W-2s or tax returns. The seller can pay up to 6% toward closing costs, and gifts can cover 100% of the down payment and closing costs.

See FastTrax FHA

Frustrated buyer with her head down after financing fell through

Buyers your lender declined

Financing fell through, but the buyer still wants the home. The Earned Equity Program may still get them in, and the seller gets paid at closing.

See the Earned Equity Program

Couple holding hands in front of a Florida home

ITIN and work visa buyers

ITIN, DACA and work visa buyers can be eligible through the Earned Equity Program, with credit from 580.

See the Earned Equity Program

How it works

Your lender stays first. I take the rest.

Your sales team

Texts me the scenario

Text me the basics, or use the scenario form
No buyer names or Social Security numbers needed
You get a straight yes, no, or what it would take

Your preferred lender

Keeps every buyer it can approve

Nothing changes with your in-house lender
I only see the buyers they can't approve
One AE from scenario to closing

Copy and paste

Give this to your sales team

"Buyer stuck on income docs, an ITIN, or declined by our lender? Text Cheryl Falkner at The Lender AI before they walk: 813-551-2669, TextCheryl.com. No names or Social Security numbers needed."

Do your trades get paid on a 1099?

Framers, roofers, electricians and landscapers can be buyers too. Send me their scenario.

No compensation is paid or accepted for referrals. Loans are originated only by individuals licensed in the property's state. All loans are subject to underwriting approval, and program terms are subject to change.