Jeff Nunley Mortgage Advisor, NMLS 257282

Jeff Nunley Mortgage Advisor, NMLS 257282 Get a review/pre-screen at https://bit.ly/4uNUyTx Also licensed by the CA-DFPI under the CFL #6036566.

I help self‑employed borrowers and investors in Oregon, Washington, and Arizona qualify using bank statements, P&Ls, assets and DSCR—no traditional W‑2 or tax returns needed. Jeff Nunley, Loan Officer, NMLS #257282 | Nova Financial & Investment Corporation, DBA NOVA® Home Loans, NMLS #3087 | BK 0902429 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Loans made or arranged pursuant to a California Financing Law License. | https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087 | Equal Housing Opportunity |

You don’t build a real estate portfolio by buying ten properties at once.You buy one.You learn how to manage it.You let ...
09/22/2026

You don’t build a real estate portfolio by buying ten properties at once.

You buy one.
You learn how to manage it.
You let time, rental income, and equity do some of the heavy lifting.
Then you position yourself for the next one.

That’s property stacking.

It isn’t a get-rich-quick strategy. It’s a long-term plan built one smart purchase at a time.

If building a rental portfolio is one of your goals, let’s map out what the first property could look like.

Myth: Self-employed buyers must always qualify using only traditional tax-return income.Reality: Not necessarily.Some no...
09/22/2026

Myth: Self-employed buyers must always qualify using only traditional tax-return income.

Reality: Not necessarily.

Some non-QM options, including bank statement programs, may evaluate documented business or personal deposits instead of relying solely on traditional tax-return income.

That doesn’t mean automatic approval. Lenders and programs may have specific requirements for documentation, deposit history, business details, credit, reserves, and repayment ability.

If you’re self-employed in Oregon, Washington, or Arizona (including Lane, Linn, Benton, or Douglas County) there may be more than one way to document qualifying income.

Learn more: https://bit.ly/NOVASelfEmployed

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

Hypothetical educational example, not a real client story.A Washington freelancer earns income from design projects, con...
09/21/2026

Hypothetical educational example, not a real client story.

A Washington freelancer earns income from design projects, consulting, and other 1099 work. When applying for a mortgage, the question isn’t simply, “What came in last month?”

Lenders generally need to understand how the income is documented, whether it shows a reliable history, and how it fits the specific loan program’s guidelines.

Depending on the program and the borrower’s situation, documentation may include tax returns or transcripts, 1099s, business records, and year-to-date profit-and-loss information. Alternative documentation options, including certain bank statement programs, may also be available, but eligibility, required history, and documentation vary. Nothing is automatic or guaranteed.

The best move? Start early. Keep business and personal records organized, clearly document deposits, and discuss your options before making an offer.

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

Learn more: https://bit.ly/NOVASelfEmployed

Could a self-employed Oregon buyer have healthy cash flow, but lower qualifying income on tax returns?Hypothetical examp...
09/21/2026

Could a self-employed Oregon buyer have healthy cash flow, but lower qualifying income on tax returns?

Hypothetical example, not a real client story:

An Oregon business owner earns revenue, but legitimate business deductions reduce the taxable income shown on their tax returns. That can create a gap between day-to-day cash flow and the income a traditional mortgage review may use.

Depending on the loan program and the borrower’s overall profile, a bank statement loan may evaluate documented deposits over a required period instead of relying only on tax-return income.

The lender may also review business stability, account ownership, expenses, credit, assets, down payment, and other factors. Deposits must be documented and eligible, and approval is never automatic.

The takeaway? A tax return is important, but it may not tell the entire story of how your business earns and manages money.

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

Don’t fit inside the traditional mortgage box? That doesn’t mean you’re out of options.Whether you’re buying with an ITI...
09/17/2026

Don’t fit inside the traditional mortgage box? That doesn’t mean you’re out of options.

Whether you’re buying with an ITIN, recovering from a past credit setback, using rental income to grow your portfolio, qualifying through your professional career or accessing equity without replacing your first mortgage, alternative financing may provide a different path forward.

Your situation deserves more than a one-size-fits-all answer. Send us a message and let’s explore what may be available.

Constitution Day marks 239 years since the framework that still underlies property rights, contracts, and homeownership ...
09/17/2026

Constitution Day marks 239 years since the framework that still underlies property rights, contracts, and homeownership in America today!📜
https://myoc.io/jeffn

09/15/2026

A major Freddie Mac guideline change could open the door for more manufactured-home buyers and sellers.

Previously, a manufactured home that had been moved from one location to another was extremely difficult to finance. Now, certain relocated manufactured homes may qualify for conventional financing if the move was permitted, the foundation meets requirements and the home was not damaged during the move.

Eligible single- and double-wide homes built after June 15, 1976, may now have access to the same financing options as other qualifying manufactured homes.

That means more opportunities for buyers, fewer obstacles for sellers and fewer unwelcome surprises during escrow.

Have questions about a manufactured home? Give us a call and let’s review the property.

Hispanic Heritage Month begins today, honoring the culture and contributions shaping communities nationwide!https://myoc...
09/15/2026

Hispanic Heritage Month begins today, honoring the culture and contributions shaping communities nationwide!
https://myoc.io/jeffn

Buying in Lane, Linn, Benton, or Douglas County? Fewer competing buyers may mean more negotiating room: price, repairs, ...
09/14/2026

Buying in Lane, Linn, Benton, or Douglas County? Fewer competing buyers may mean more negotiating room: price, repairs, or closing-cost help. Get preapproved, then let’s review your options.

With rates higher, investors may be looking longer at cash flow. A DSCR loan may qualify using rental income: not person...
09/14/2026

With rates higher, investors may be looking longer at cash flow. A DSCR loan may qualify using rental income: not personal W-2 income. Hypothetical: multiple rentals may not stop the next move. DM “REVIEW”.

Address

1142 Willagillespie Ste 9
Eugene, OR
97401

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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