What is a Doctor Loan?

success smart medical doctor working with operating room

Ransom Kelley at Assurance Financial enjoys working with many types of clients for fast and efficient home closings. This week, we want to share a unique program for physicians and their families. The program is referred to as a “doctor loan”. It can also be called a “Physician Mortgage Loan.” This is a mortgage product… [Read More]

100% Financing USDA Loans for New Construction

excavator digs a hole

Ransom Kelly at Assurance Financial has helped many residents of Birmingham Alabama secure home loans for new construction. Today we are here to tell you about how USDA Loans are a wonderful program to pay for building your dream home. Loans from the United States Department of Agriculture (USDA) are well known for benefits like… [Read More]

Non-Qualified Mortgages after Bankruptcy


In our last post, we talked about Non-Qualified Mortgages (also known as Non-QM Loans).  Non-QM Loans were established after the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act. A response to the mortgage crisis, the Dodd-Frank legislation created regulations that are implemented by the Consumer Financial Protection Bureau (CFPB). Primarily, these standards… [Read More]

Non-Qualified Mortgage Loans for Non-Conforming Loans

house with black shutters

Non-Qualified Mortgages for Non-Conforming Loans Non-conforming loans are a type of loan that exceeds limits set by Government Sponsored Entities (GSEs) such as Fannie Mae and Freddie Mac. Such loans may be used when a borrower wants to obtain a large mortgage. Non-Qualified Mortgages, or “Non-QM” loans, are loans that do not meet requirements set… [Read More]


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