Yaseen Kettani
Self-employed mortgage · AI chat · 12 messages
Summary
Tier Bneutral
Self-employed 3yr — alt-lender routing. Yaseen assigned to David.
Intent: exploring
Outcome
QualificationCompleted
AppointmentNot booked
Assigned brokerDavid Kowalski
EscalationNot required
Linked opportunity
Open →Yaseen Kettani
Brampton, ON
Score 66/100 · contacted
Transcript
Yaseen Kettani · Jul 21, 12:48 PM
Been self-employed 3 years. Bank keeps declining. What are my options?AI assistant · Jul 21, 12:48 PM
This is very common. Banks want 2 years of T1s showing stable income. If your declared income is lower than your actual, alt-lenders like Home Trust, Equitable, or MCAP have programs designed for you.Yaseen Kettani · Jul 21, 12:48 PM
Rates are higher with those, right?AI assistant · Jul 21, 12:48 PM
Usually 0.5–1% higher. But that's often better than not getting a mortgage. Some people take an alt-lender for 1–2 years, then switch to A-lender.Yaseen Kettani · Jul 21, 12:48 PM
That's what I'd want. How much am I looking at?AI assistant · Jul 21, 12:48 PM
What's the price point and down payment?Yaseen Kettani · Jul 21, 12:48 PM
$690K, $180K down, so $510K mortgage.AI assistant · Jul 21, 12:48 PM
74% LTV, self-employed 3 years — alt-lender rates today ~5.29-5.79% on 3yr. Payment around $3,100/mo.Yaseen Kettani · Jul 21, 12:48 PM
That's doable. What do I need to do next?AI assistant · Jul 21, 12:48 PM
Two T1s, Notice of Assessments, business statements, and 90-day bank history. A broker who specializes in self-employed can pre-approve you.Yaseen Kettani · Jul 21, 12:48 PM
Book me a call.AI assistant · Jul 21, 12:48 PM
David Kowalski specializes in self-employed and B-lender files. He'll call yaseen.k@gmail.com and +14165550214 within 2 hours.