Testimonials

The right mortgage depends on your financial situation, the property you’re purchasing, your down payment, credit history, income, and long-term goals. Tyler takes the time to understand the full picture before helping you compare loan options that may make sense for you.

It depends on the loan program. Some mortgage programs allow for a low down payment, while certain qualified borrowers may be eligible for options requiring no down payment. Tyler can help you compare FHA, VA, USDA, Conventional, and other available financing options based on your situation.

Getting pre-approved before seriously shopping for a home can help you understand your potential purchasing power and make you better prepared when you find the right property. In a competitive market, having financing preparations underway can also help you approach the offer process with greater confidence.

Documentation varies by borrower and loan type, but you may be asked to provide recent pay stubs, W-2s or tax returns, bank statements, identification, and information about your current debts and assets. Self-employed borrowers may need additional documentation.

Yes. Being self-employed does not automatically prevent you from qualifying for a mortgage. In addition to traditional financing, certain borrowers may have access to options such as Bank Statement and Profit & Loss loans. Tyler can review your income structure and help identify financing options worth exploring.

Yes. Tyler works with first-time homebuyers throughout Maine and can help explain the financing process from pre-approval through closing. Depending on eligibility, Maine buyers may also have access to state and federal homebuyer programs.

Tyler works with a variety of financing options, including Conventional, FHA, VA, USDA, Bank Statement, Profit & Loss, Renovation, Fix & Flip, and DSCR loans. The best option depends on your goals, qualifications, and the property itself.

FHA loans are government-backed mortgages that can provide more flexible qualification requirements than some conventional financing options. They are often considered by first-time buyers, although you do not need to be a first-time homebuyer to use an FHA loan.

USDA loans are designed to support eligible homebuyers purchasing in qualifying rural and suburban areas. For qualified borrowers and properties, USDA financing can offer a no-down-payment option.

VA loans provide eligible veterans, active-duty service members, and certain surviving spouses with access to government-backed home financing. Eligible borrowers may be able to purchase with no down payment, subject to VA and lender requirements.

Potentially. Renovation financing can allow qualified borrowers to incorporate eligible renovation costs into their financing rather than paying for every improvement separately after purchasing the property. Tyler can help determine whether a renovation loan may fit the home and project you’re considering.

Tyler works with investors as well as traditional homebuyers. Financing options can include DSCR loans and Fix & Flip financing depending on the borrower, property, investment strategy, and program requirements.

A Debt Service Coverage Ratio, or DSCR, loan is an investment-property financing option that generally focuses on a property's rental income and its ability to cover the associated debt rather than relying solely on the borrower's traditional personal income documentation.

Depending on your goals and financial situation, refinancing may be worth exploring. Homeowners may consider refinancing to change loan terms, access equity, consolidate certain debts, or pursue other financial goals. Tyler can help you evaluate whether refinancing makes sense for your circumstances.

Timelines vary depending on the loan program, borrower documentation, appraisal, property, underwriting, and closing requirements. Tyler focuses on keeping borrowers informed throughout the process so you know what is happening and what is needed next.

Tyler is based in Old Orchard Beach, Maine and works with homebuyers, homeowners, and real estate investors throughout Maine, including communities across York County, Cumberland County, and the Greater Portland area.