For licensed real estate and mortgage professionals. Not for consumer distribution. Text Cheryl  |  Call 813-551-2669
Text Cheryl

For real estate agents

Hey Realtors, do you have buyers who are 1099?

They may qualify on their full 1099 income. No tax returns needed. We verify the income with a VOE.

Send me the scenario, or have their lender reach out to me for pricing.

Text Cheryl Send a Scenario Form

Call me when you hear

  • "They're 1099, and the tax returns don't work."
  • "Their lender won't count the bonus or commission."
  • "Financing fell through and we close next week."
  • "They're renting and can't quite qualify yet."
  • "They have an ITIN, not a Social Security number."

Sound familiar?

Do you have a buyer like this?

IRS Form 1099-NEC for independent contractor income

Do you have buyers who are 1099?

Independent contractors, commission earners, tips, and bonuses. FastTrax FHA uses a VOE, not tax returns.

See FastTrax FHA

Frustrated buyer with her head down after financing fell through

Do you have a deal that fell apart?

Financing fell through, but the buyer still wants the house. Send it before you lose it.

See the Earned Equity Program

Couple holding hands in front of a Florida home

Do you have renters who want to buy?

They're close but can't quite qualify today. There may be a path to ownership.

See the Earned Equity Program

Two easy ways

Do you have a lender you love? Keep them.

Option 1

Send 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
Option 2

Have their lender reach out

  • Already love your lender? Keep them
  • They can come to me for pricing and program details
  • They keep the buyer, and you keep your deal moving

Copy and paste

Need to loop in the lender? Send this.

"Hi, my buyer is stuck on income docs. Can you reach out to Cheryl Falkner at The Lender AI for pricing on her VOE-only FHA? 813-551-2669, TextCheryl.com."

Are you paid on a 1099 yourself?

Many Realtors are. Send me your own scenario too.

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.

Have a file that fits?

Send the scenario. You'll get a straight yes, no, or what it would take.

Text Cheryl Send a Scenario Form
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