Which one are you?

I need financing

The bank said no. That doesn't have to be the answer.

Answer twelve questions about your situation and see which programs are commonly used for situations like yours, what a lender is likely to focus on, and what to do next.

I advise clients who do

When your client gets denied, the call comes to you.

A lending resource for real estate agents, CPAs, wealth advisors, and family law and estate attorneys whose clients keep hearing no, or keep being told to liquidate.

See the partner paths

The scorecard

Twelve questions.

No credit check and no obligation. See which programs are commonly used for situations like yours and what a lender is likely to look at first.

Question 1 of 12

What's your goal?

This scorecard provides educational estimates only. It is not a loan approval, pre-approval, or commitment to lend.

Serving Professionals at Leading Organizations

What is Non-QM?

Good borrowers. Unconventional paperwork.

A non-qualified mortgage is simply a loan that does not follow the rigid documentation rules of a conventional loan. It is designed for people who can clearly afford the payment but prove it differently: business owners with write-offs, investors with rental income instead of W-2s, foreign nationals without U.S. credit, or borrowers who are asset rich and income light.

Most banks sell one or two products, so when your paperwork does not match theirs, they say no. We are brokers working with hundreds of lenders across conventional, Non-QM and niche programs, so a file starts with how the financing should be structured rather than with the one product a bank happens to sell.

Start Here

Self-employed

Bank statements, P&L, 1099, or one year of returns instead of two.

Investors

DSCR loans qualified on the property's rent, not your income.

Foreign nationals

No U.S. credit score required. ITIN programs available.

Unique situations

No-ratio loans, hard money, bridge financing, and more.

Why a broker

We shop the lenders so you do not have to.

A retail bank quotes from its own rate sheet because that is the only sheet it has. We are brokers. Every file goes in front of hundreds of wholesale lenders and they compete for it — conventional, FHA, VA and USDA included, not only the niche programs.

One conversation, one application, and we do the comparing.

How it works

Three steps from application to closing.

01

Apply

A short, secure online application gives us the picture we need to start matching programs.

02

Get matched

We pair you with the right Non-QM or niche program from a deep bench, not the one product a bank happens to sell.

03

Close fast

Clear communication, automated document collection, and lenders we know personally. Closings move.

Case studies

The situations banks decline.

How these financing structures work when a bank says no.

See all case studies →

Bank Statement

Contractor with heavy write-offs, declined by retail banks

A general contractor grosses well over half a million a year, but after equipment and payroll deductions his tax returns show almost nothing. Retail banks read the returns and stop there.

What we did: A 24-month bank statement program qualifies on real business deposits with an expense factor, instead of taxable income.

DSCR / Unlimited Properties

Investor at the ten-property cap who wants more doors

An investor already has ten financed properties. Conventional guidelines are done with him, and his tax-return income would not support more mortgages.

What we did: Each new property is qualified on its own rent using DSCR loans, title is vested in his LLC, and closings are layered so appraisals and reserves do not collide.

Foreign National

International buyer with no U.S. credit file

A business owner based abroad wants a U.S. condo for work travel. No Social Security Number, no U.S. credit score, income documented entirely in foreign statements.

What we did: A foreign national program accepts an international credit reference letter and foreign income documentation, with a larger down payment in place of a domestic score.

Know your numbers

Run the math before you write the offer.

Explore calculators →

Payment

Principal, interest, taxes, insurance, HOA.

Affordability

Income and debts to a real price range.

DSCR

Does the rent carry the loan?

Asset depletion

Turn a portfolio into qualifying income.

Refinance break-even

Savings and months to recover costs.

Rate buydown

2-1 and 3-2-1 stepped payments.

Non-QM & niche programs

Programs other lenders do not offer.

View all programs →

A fanned stack of blank printed deposit slips on a pale concrete surface in raking light

Bank Statement

Let your deposits tell the story.

Two blocks of travertine balanced on a steel beam over a stone fulcrum, the left block sitting slightly higher

DSCR

The rent qualifies the loan.

A struck flint throwing a single bright spark against a steel striker on dark slate

Hard Money

Speed, when speed is the whole deal.

A brass compass rose inlaid flush into a pale stone floor

Foreign National

Buy U.S. real estate without U.S. credit.

A blank sheet of heavy cream paper lying on concrete, one corner curling upward

No Income / No Ratio

Qualify on assets and the property.

A steel scraper leaning against a wall where fresh smooth plaster meets bare weathered render

Fix and Flip

Purchase and rehab in one facility.

A single oak plank spanning two travertine piers, casting a long shadow across a concrete floor

Bridge

Buy the next one before you sell this one.

A smooth grey river stone with one edge worn away, fine pale sand gathered beneath it

Asset Utilization

Turn your balance sheet into monthly income.

How we stack up

Why borrowers leave their bank for us.

	Delightful Refuge	Traditional Bank
Wholesale rates	Brokered across hundreds of wholesale lenders	Single retail rate sheet
Asset rich, low reported income	Asset utilization and asset-depletion programs	Can only use taxable income
Hybrid / stackable income	W-2, bank statements, assets, and 1099 considered together	Typically one income source at a time
Loan programs available	A wholesale lender panel spanning conventional, Non-QM and niche programs	1–3 standard products
Self-employed friendly	Bank-statement, P&L, 1099, asset-based	Qualification based on tax return income
Foreign national buyers	Yes, no U.S. credit required	Generally not offered
Speed to close	Typically about 14 days	30–45 days standard
Commercial financing	Commercial financing available, subject to program and lender	Limited or branch-dependent
Real human throughout	Direct line to your loan team	Often routed through call centers

Wholesale rates

Delightful Refuge: Brokered across hundreds of wholesale lenders
Traditional Bank: Single retail rate sheet

Asset rich, low reported income

Delightful Refuge: Asset utilization and asset-depletion programs
Traditional Bank: Can only use taxable income

Hybrid / stackable income

Delightful Refuge: W-2, bank statements, assets, and 1099 considered together
Traditional Bank: Typically one income source at a time

Loan programs available

Delightful Refuge: A wholesale lender panel spanning conventional, Non-QM and niche programs
Traditional Bank: 1–3 standard products

Self-employed friendly

Delightful Refuge: Bank-statement, P&L, 1099, asset-based
Traditional Bank: Qualification based on tax return income

Foreign national buyers

Delightful Refuge: Yes, no U.S. credit required
Traditional Bank: Generally not offered

Speed to close

Delightful Refuge: Typically about 14 days
Traditional Bank: 30–45 days standard

Commercial financing

Delightful Refuge: Commercial financing available, subject to program and lender
Traditional Bank: Limited or branch-dependent

Real human throughout

Delightful Refuge: Direct line to your loan team
Traditional Bank: Often routed through call centers

General comparison based on commonly available retail bank mortgage products. Individual institutions vary.

Why clients choose us

Quiet, repeatable closings.

“Stacia and her team were phenomenal. There were never any delays and they were prompt, responsive and appropriately aggressive to close the house on and expedited schedule. I felt like I was dealing with a professional law firm in a good way. I highly recommend and I literally have no complaints. Everything went as smooth as possible thanks to Stacia and her team!”
Michael S. Davis

“A huge thank you to Stacia and Team Weishaar for their incredible support throughout our home-buying journey! As first-time homebuyers, we had so many questions, but the team was always available to provide clear, detailed answers and guidance. Their attention to detail and dedication to providing us with all the information we needed made us feel confident and informed every step of the way. Stacia and her team worked tirelessly to ensure we had the best options and fully understood every aspect of the process. Thanks to their expertise and outstanding service, we were able to make decisions with ease and get a competitive loan.”
Gabriela Reyes

“I've only ever worked with Team Weishaar for my home purchases because I refuse to work with anyone else! All of my experiences with Stacia and her entire team have been stellar and both times was able to close early because of the diligence of Team Weishaar. And while I haven't worked with anyone else, I've heard plenty of stories from friends and family about their lenders being slow or unclear about fees and the process. Every step of the way things were easy, fast, and thoroughly explained so I felt confident in my transaction. Thanks to Stacia and her entire team!”
Jessica Marquez

“Team Weishaar was amazing! They were so helpful throughout my whole home buying process! Every member of the team was kind, thoughtful, and helpful! They made sure to explain every part of the process as we were going through. They helped me to feel educated and competent through the process!”
Hanna Harris-Davis

“Team Weishaar was an absolute pleasure to work with. They provided fast and professional lending services. As a first-time home buyer, they went above and beyond to ensure we had a comprehensive understanding of the process. We'll use Team Weishaar again without thinking twice and will recommend them to any friends/family looking for a best-in-class experience.”
Galal Gough

“Stacia and team were fantastic to work with from our first call, through a quick and pain free closing, and continue to be today. As a first time home buyer I was extremely impressed by how much education Team Weishaar provided. Stacia did a fantastic job making sure we understood all of the fine details of a mortgage and the loan terms. Team Weishaar provided regular updates on the smooth path to close and we were able to close on the home quickly and without any hiccups. I definitely recommend working with Delightful Refuge.”
Jordan Ross

“Truly exceptional and pleasant experience with Stacia and her team. From beginning to end— communication, service, and support were beyond professional. Thank y'all for making our experience super stress free.”
Zack Hall

“Team Weishar is amazing! They have an entire team working on your loan. Everything was pre approved correctly so when I placed an offer on my house, there was no question that I would be approved. Everything was very organized and simple so my stress during this process was non existent. Best mortgage broker I have ever worked with!”
Joe Root

“We thought Stacia and her team were easy to work with and they explained everything thoroughly throughout the process. We had numerous phone calls and e-mails as we progressed and the team was very responsive. Considering we hadn't purchased a new home for 35 years we needed things laid out to us in black and white and they were able to do that. From the time we saw them to the time we closed on the home it was only 3 weeks so it all went very quickly. We're very positive about our interactions with Team Weishaar and the entire process.”
Stephen Balberg

“Stacia and Team Weishaar were wonderful to work with! They are knowledgable, attentive and extremely helpful. I feel lucky to have worked with them and would highly recommend them to anyone.”
Kelsey Blommer

“Stacia and her team are rockstars! Not only are they incredibly knowledgeable, they're also very responsive, and efficient! They were able to turnaround a very quick pre-approval as well as facilitate a speedy close for my client! I cannot recommend them enough!”
Jessica Tjoelker

“Stacia and the Team are amazing! They were essential to the success of our homebuying experience and we look forward to working with them again.”
Nick Delmar

“This team is on top of their game! My clients were first time home buyers and very green. Stacia and her team were patient, understanding and most importantly they took the time to educate and walk my clients through the entir loan mortgage process. The communication was GREAT!! Thank you Stacia!”
Mel Foley

“Stacia and Team were phenomenal to work with! They were very knowledgeable, took time to explain the steps along the way and overall efficient throughout the entire process. I couldn't image going through my first home buying experience without them.”
Adrian Michael Gaitan

“Stacia and her team are absolutely fantastic. They were responsive and professional, and were always thinking ahead to prevent any roadblocks during closing. During challenging macroeconomic circumstances, they were calm and always knew what to do next. I can't recommend them highly enough.”
Jacob Warwick

“A huge thank you to Stacia and Team Weishaar for their incredible support throughout our home-buying journey! As first-time homebuyers, we had so many questions, but the team was always available to provide clear, detailed answers and guidance. Their attention to detail and dedication to providing us with all the information we needed made us feel confident and informed every step of the way. Stacia and her team worked tirelessly to ensure we had the best options and fully understood every aspect of the process. Thanks to their expertise and outstanding service, we were able to make decisions with ease and get a competitive loan.”
Gabriela Reyes

“I've only ever worked with Team Weishaar for my home purchases because I refuse to work with anyone else! All of my experiences with Stacia and her entire team have been stellar and both times was able to close early because of the diligence of Team Weishaar. And while I haven't worked with anyone else, I've heard plenty of stories from friends and family about their lenders being slow or unclear about fees and the process. Every step of the way things were easy, fast, and thoroughly explained so I felt confident in my transaction. Thanks to Stacia and her entire team!”
Jessica Marquez

“Stacia and team were fantastic to work with from our first call, through a quick and pain free closing, and continue to be today. As a first time home buyer I was extremely impressed by how much education Team Weishaar provided. Stacia did a fantastic job making sure we understood all of the fine details of a mortgage and the loan terms. Team Weishaar provided regular updates on the smooth path to close and we were able to close on the home quickly and without any hiccups. I definitely recommend working with Delightful Refuge.”
Jordan Ross

“We thought Stacia and her team were easy to work with and they explained everything thoroughly throughout the process. We had numerous phone calls and e-mails as we progressed and the team was very responsive. Considering we hadn't purchased a new home for 35 years we needed things laid out to us in black and white and they were able to do that. From the time we saw them to the time we closed on the home it was only 3 weeks so it all went very quickly. We're very positive about our interactions with Team Weishaar and the entire process.”
Stephen Balberg

Let's find the loan that works for your situation.

A bank has one rate sheet. We put your file in front of hundreds of wholesale lenders and let them compete for it — conventional, Non-QM, FHA, VA, USDA and commercial. A few minutes now saves weeks of back-and-forth later.

Start Your Application

The bank saw your paperwork. We see your wealth.