Pettruzzelli Inc

Pettruzzelli Inc 🏡Local REALTOR® | Involved in 1,700+ home sales | 400+ 5★ reviews | Serving Bellingham to Everett | Here to help with your real estate needs!

Whether you're a buyer, seller, or investor, Dominic delivers smart strategy, proven results, & a side of humor. Fun Fact: You can't say Homeowner without saying Meow.

06/04/2026

Ep. 23 - Clip 3 - 🏡 Non-QM Loans Explained | Bank Statement Loans & DSCR Investment Financing

💼 Bank Statement Loans for Self-Employed Buyers
Bank Statement Loans can be a great option for self-employed buyers or newer business owners who may not qualify using traditional tax return documentation. Instead of relying primarily on W-2s or tax returns, lenders can review 12–24 months of personal or business bank statements to verify income.
Key highlights include:
• Owner-occupied financing available with as little as 10% down
• Flexible income qualification for self-employed borrowers
• Helpful for buyers with significant business write-offs
• Alternative underwriting compared to conventional loans

Watch the full episode on our YT Channel: https://youtu.be/F8lqAYnq6BY

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

💰 Jeff Miltenberger | NFM Lending
📞 206-295-8455
📧 [email protected]

06/03/2026

Ep. 23 - Clip 2 - 🏡 Non-QM Loans Explained | Bank Statement Loans & DSCR Investment Financing

Watch the full episode on our YT Channel: https://youtu.be/F8lqAYnq6BY

Not every homebuyer fits traditional mortgage guidelines — especially self-employed business owners, entrepreneurs, and real estate investors. In this video, experienced Skagit County REALTOR® Dominic Pettruzzelli and Jeff Miltenberger with NFM Lending break down how Non-Qualifying Mortgages (Non-QM Loans) can create flexible financing opportunities for buyers with non-traditional income.

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

💰 Jeff Miltenberger | NFM Lending
📞 206-295-8455
📧 [email protected]

06/03/2026

Ep. 23 - Clip 1 - 🏡 Non-QM Loans Explained | Bank Statement Loans & DSCR Investment Financing

💼 Bank Statement Loans for Self-Employed Buyers
Bank Statement Loans can be a great option for self-employed buyers or newer business owners who may not qualify using traditional tax return documentation. Instead of relying primarily on W-2s or tax returns, lenders can review 12–24 months of personal or business bank statements to verify income.

Watch the full episode on our YT Channel: https://youtu.be/F8lqAYnq6BY

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

💰 Jeff Miltenberger | NFM Lending
📞 206-295-8455
📧 [email protected]

📣OPEN HOUSE! 📣 Gorgeous Country Club Home! Impeccably maintained and thoughtfully updated, this exceptional residence is...
06/02/2026

📣OPEN HOUSE! 📣 Gorgeous Country Club Home! Impeccably maintained and thoughtfully updated, this exceptional residence is a true reflection of pride of ownership and timeless quality. Perfectly positioned overlooking the 2nd fairway, mature trees frame the home and provide a naturally shaded deck for an inviting outdoor retreat ideal for summer entertaining or quiet relaxation. Inside, a sophisticated open-concept layout is enhanced by soaring vaulted ceilings, abundant natural light, and two elegant fireplaces, creating an atmosphere of warmth and refinement. Enjoy serene views from both the front and back, while the backyard is thoughtfully designed to offer a rare sense of privacy, creating the feel of a secluded escape. Blending comfort and elegance for peaceful golf course living.

OPEN HOUSE
Saturday, June 6th
10:30-12pm

12472 Eagle Drive, Burlington
3 Bed / 2.5 Bath / 2,004 SF / .25 AC

Give us a call! 360-610-7256

06/01/2026

Ep. 23 - 🏡 Non-QM Loans Explained | Bank Statement Loans & DSCR Investment Financing

Not every homebuyer fits traditional mortgage guidelines — especially self-employed business owners, entrepreneurs, and real estate investors. In this video, experienced Skagit County REALTOR® Dominic Pettruzzelli and Jeff Miltenberger with NFM Lending break down how Non-Qualifying Mortgages (Non-QM Loans) can create flexible financing opportunities for buyers with non-traditional income.

💼 Bank Statement Loans for Self-Employed Buyers

Bank Statement Loans can be a great option for self-employed buyers or newer business owners who may not qualify using traditional tax return documentation. Instead of relying primarily on W-2s or tax returns, lenders can review 12–24 months of personal or business bank statements to verify income.

Key highlights include:

• Owner-occupied financing available with as little as 10% down
• Flexible income qualification for self-employed borrowers
• Helpful for buyers with significant business write-offs
• Alternative underwriting compared to conventional loans

🏘️ DSCR Loans for Real Estate Investors

The video also discusses Debt Service Coverage Ratio (DSCR) loans, designed specifically for investment properties. These loans qualify primarily based on the rental income generated by the property rather than the borrower’s personal income.

Important DSCR features include:

• Qualification based on rental cash flow
• No owner occupancy allowed
• Typically requires at least 20% down
• Popular option for investors growing rental portfolios

Whether you’re self-employed, starting a business, or investing in rental property, Non-QM lending programs may open doors that traditional financing cannot.

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett

📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

💰 Jeff Miltenberger | NFM Lending
📞 206-295-8455
📧 [email protected]

05/29/2026

Ep. 22 - Clip 4 - 🏡 What Should You Look For in a Title Report?

Watch the full episode on our YT Channel: https://youtu.be/OMSSzT0jGdU

Understanding your title report is one of the most important — and most overlooked — parts of buying real estate. In this video, Dominic Pettruzzelli and Judy Williams from Chicago Title explain how title reports work, what buyers should review carefully, and how title insurance helps protect property ownership.

🔍 Key areas buyers should review include:
• Legal Description — Defines the exact boundaries and legal identity of the property
• Liens — Mortgages, judgments, or financial claims attached to the property
• Vesting — Confirms the legal ownership and verifies who has authority to sell

Because title reports can be complex, working closely with your title officer is an important part of protecting your investment and avoiding surprises after closing.

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

📄 Judy Williams | Chicago Title
📞 360-424-1700
📧 [email protected]


👉NEW PRICE👈 Welcome to the highly sought after Sonoma Villero neighborhood. This townhouse style home features a surpris...
05/29/2026

👉NEW PRICE👈 Welcome to the highly sought after Sonoma Villero neighborhood. This townhouse style home features a surprisingly open concept main living area making it excellent for moving about every day life and entertaining on special occasions! The main floor features the dining area, large kitchen with ample counter and storage space, leading to the living room that features a cozy gas fireplace to warm you during the cooler months and the slider leading out to the fully covered balcony for year-round enjoyment. The stackable washer and dryer are conveniently located in the upstairs hallway. Both bedrooms feature private en-suite full bathrooms. Huge tandem 2 car garage and driveway parking. Community club house with outdoor pool, hot tub, gym, and playground.

16125 Juanita-Woodinville Way NE, Unit #805, Bothell
2 Bed / 2.5 Bath / 1,185 SF / $529,000
Give us a call to schedule a tour! 360-610-7256

05/28/2026

Ep. 22 - Clip 3 - 🏡 What Should You Look For in a Title Report?

Watch the full episode on our YT Channel: https://youtu.be/OMSSzT0jGdU

🔍 Key areas buyers should review include:
• Legal Description — Defines the exact boundaries and legal identity of the property
• Liens — Mortgages, judgments, or financial claims attached to the property
• Vesting — Confirms the legal ownership and verifies who has authority to sell
Additional items such as easements, CC&Rs, utility access, ingress/egress rights, and septic easements can significantly impact future use of the property. Even unused easements remain part of the public record and do not automatically expire. Buyers should carefully investigate how recorded restrictions or easements could affect future building plans, permits, remodeling, or land use.
Because title reports can be complex, working closely with your title officer is an important part of protecting your investment and avoiding surprises after closing.

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

📄 Judy Williams | Chicago Title
📞 360-424-1700
📧 [email protected]


👉 OPEN HOUSE! 👈 No Special Assessment! Welcome to the highly sought after Sonoma Villero neighborhood. This townhouse st...
05/28/2026

👉 OPEN HOUSE! 👈 No Special Assessment! Welcome to the highly sought after Sonoma Villero neighborhood. This townhouse style home features a surprisingly open concept main living area making it excellent for moving about every day life and entertaining on special occasions! The main floor features the dining area, large kitchen with ample counter and storage space, leading to the living room that features a cozy gas fireplace to warm you during the cooler months and the slider leading out to the fully covered balcony for year-round enjoyment. The stackable washer and dryer are conveniently located in the upstairs hallway. Both bedrooms feature private en-suite full bathrooms. Huge tandem 2 car garage and driveway parking. Community club house with outdoor pool, hot tub, gym, and playground.

OPEN HOUSE
Saturday, May 30th
10:30-Noon

16125 Juanita-Woodinville Way NE, Unit #805, Bothell
2 Bed / 2.5 Bath / 1,185 SF / $529,000

Give us a call to schedule a tour! 360-610-7256

05/27/2026

Ep. 22 - Clip 2 - 🏡 What Should You Look For in a Title Report?

Watch the full episode on our YT Channel: https://youtu.be/OMSSzT0jGdU

Additional items such as easements, CC&Rs, utility access, ingress/egress rights, and septic easements can significantly impact future use of the property. Even unused easements remain part of the public record and do not automatically expire. Buyers should carefully investigate how recorded restrictions or easements could affect future building plans, permits, remodeling, or land use.

🏡 Dominic Pettruzzelli
Local REALTOR® | Involved in 1,700+ home sales
⭐ 400+ five-star reviews
Serving Bellingham to Everett
📞 360-610-7256
📧 [email protected]
🌐 pettruzzelli.com

📄 Judy Williams | Chicago Title
📞 360-424-1700
📧 [email protected]


Address

506 Main Street
Mount Vernon, WA
98273

Telephone

+13606107256

Website

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