Hey future homeowners! In this episode, we dive into the world of Qualified Mortgages (QM) and Non-Qualified Mortgages (Non-QM), breaking down their key differences, pros, and cons. QM loans offer stability with stricter guidelines and lower risk for lenders, but they might not fit everyone. Non-QM shines for those with non-traditional income—like gig workers, self-employed folks, or anyone with unique finances—providing flexibility when standard options fall short. Whether you're just starting out or facing credit hurdles, we'll show how these options can make your homeownership dreams a reality. Remember, everyone has the right to own a home—let's build yours brick by brick!

Blessings!

Suz

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