Anyone who has been in the industry more than two years can help you. I have been at it since 1989 and done everything from retail and wholesale generation, trained loan officers and Realtors, and underwrote for Wells Fargo as well as audited files post closing for fraud. I've pretty much done it all including worked for multiple banks and from that experience I ahve learned that it is important to go with a professional who follows through, explains the entire process thoroughly to you up front, keeps you in the loop and does not spring last minute surprises on you. At present I work for Academy Mortgage, a national lender that funded $5 billion dollars in mortgage loans last year and services its own loans. We do everything in house and our underwriters are right in our offices. It is very important that you have submitted your taxes for the past two years and that the averaged income after deducting business expenses matches what you wrote above ($65K). If you have heard of the program, we probably have it (Fannie, Freddie, USDA, VA, FHA) and more including 203K. Feel free to contact me and talk Wendy Van Vechten NMLS #880581. phone 503-516-5959 (my cell so you can reach me 24/7).
Here are my preferred lenders who offer excellent rates and fantastic service:
Northwest Mortgage Group, Inc
American Pacific Mortgage
Bart Gabe - Lending Nationwide Since 1987
800 315 8803