Jeff Nunley Mortgage Advisor, NMLS 257282

06/18/2026

Tax season is usually a win for business owners until it's time to buy a home.

You work hard to maximize your deductions: which is smart! But when traditional lenders look at your tax returns, those write-offs can make it look like you don't earn enough to qualify for a mortgage.

That’s where Bank Statement Loans come in.

Instead of focusing on your net income after expenses, we look at your actual monthly deposits. This allows self-employed buyers in Oregon, Washington, and Arizona to prove their true purchasing power without being penalized for their tax strategy.

Whether you’re looking in Lane County or building your business in the Phoenix area, we specialize in finding creative paths when the "standard" box doesn't fit.

Ready to see what you actually qualify for?

Check out our 1099 and bank statement programs here: https://bit.ly/NOVASelfEmployed

If your file doesn’t fit the box, comment ‘REVIEW’

06/17/2026

Refinancing when you're self-employed isn't impossible. It just works a little differently.

Many business owners are surprised to learn that lenders don't simply look at revenue. They review tax returns, analyze income trends, and factor in business write-offs that can impact qualifying income.

The good news? Traditional tax returns aren't the only option.

There are programs available that use bank statements instead, helping many self-employed borrowers qualify based on how their business actually performs rather than what's reported after deductions.

The key is understanding how your income will be viewed before you start the process.

If you're self-employed and wondering whether refinancing makes sense for you, let's talk. We can review your situation and explore the options that fit your goals.

06/17/2026

Still waiting until you have 20% saved to buy a home?

You might be sitting on the sidelines for no reason. One of the biggest myths in real estate is that you need a massive pile of cash just to get through the front door.

The reality? There are tons of low down payment options and creative strategies to help you get into a home much sooner. Whether it's a 3% down program for first-time buyers or specialized solutions for self-employed professionals here in Lane, Linn, Benton, and Douglas counties, the "20% rule" is mostly a thing of the past.

Don't let a myth keep you from building equity and reaching your goals. Let’s look at your specific situation and find a program that actually fits your life instead of trying to fit you into a box.

If your file doesn’t fit the box, email me ‘REVIEW’

06/16/2026

Ever feel like you’re just a person in a “no” pile at the big banks?

It happens more than you’d think. We often see buyers turned down because their debt-to-income (DTI) ratio doesn't fit into a very narrow, rigid box.

At NOVA Home Loans, we take a different approach. While big banks might see a roadblock, we look for a bridge. Whether you’re a first-time buyer in Lane County or looking to upgrade in the Willamette Valley, we specialize in finding creative lending solutions that the big institutions often overlook.

A rejection from a large bank doesn't have to be the end of your story: it’s often just the sign that you need a partner who looks at your whole financial picture.

If your file doesn’t fit the box, email me ‘REVIEW’

06/15/2026

Your home may be doing more for your financial future than you realize.

For many homeowners, equity has quietly become one of their largest assets. And for self-employed business owners, that equity can be especially valuable.

When traditional financing options don't always fit the way you earn income, your home's equity may provide flexibility for things like business investments, equipment purchases, renovations, debt consolidation, or creating additional cash flow when opportunities arise.

The key is understanding your options and using equity strategically.
Whether you're a business owner, freelancer, contractor, or entrepreneur, your home could be more than just where you live. It could be one of your most powerful financial tools.

If you're self-employed and curious about how much equity you have available, give me a call. I'd be happy to walk you through your options and help you determine what makes sense for your goals.

06/14/2026

Happy Flag Day! The American Dream looks different for everyone, but for millions, it starts with a front door to call their own. At NOVA, we're proud to help make that dream a reality in the communities we serve every day.
https://myoc.io/jeffn

06/14/2026

5.0 star review received on Experience.com for Jeff Nunley by Chad H - Communication and performance

Click to see all 234 reviews of Jeff Nunley , Senior Loan Officer | NMLS #257282

06/12/2026

Real estate isn’t confined to the typical 9 to 5 schedule.

Inquiries arise after work hours. Properties are listed on weekends. Important decisions frequently need to be made outside of regular office times.

That’s why availability is crucial.

Whether you’re purchasing your first home, upgrading, refinancing, or simply exploring your options, you deserve a loan officer who is accessible when you need them, beyond just business hours.

If you’re considering a move, reach out to me. I’m here to assist when the timing is most important.

06/12/2026

Ever feel like your financial situation is a bit too "outside the box" for a standard home loan? Behind the scenes here in Eugene, we thrive on the complex stuff.

While big banks might let an algorithm make the final call, I prefer a hands-on approach. For my neighbors in Lane County, that means a manual review of every detail, especially for self-employed buyers or those with unique income streams.

I’m currently diving deep into a few files that require that extra level of attention. It’s about looking past the automated "no" to find the creative solution that fits your life. Whether you’re looking to buy near the University or settle down in the hills, I’m here to do the heavy lifting on the paperwork so you can focus on the move.

If your file doesn’t fit the box, email me ‘REVIEW’ and I’ll tell you in 24 hours if there’s a non‑QM path.

06/11/2026

If it feels like your paycheck disappears the moment it hits your account, you're not alone.

High-interest debt can make it difficult to save, invest, or get ahead financially. What many homeowners don't realize is that the equity they've built in their home may provide options to simplify their finances and potentially lower their monthly obligations.

The goal isn't just to move debt around. It's to create a plan that improves cash flow and helps you take back control of your budget.

Every situation is different, but if credit cards, personal loans, or other debts are putting pressure on your finances, it may be worth exploring your options.

Reach out if you'd like to review your numbers and see what strategies may be available to you.