Loan Officer for Hard Files: Self-Employed, Investor, No U.S. Credit

Quick Answer: When a lender tells your buyer no, send the file to me. Self-employed, investor, no U.S. credit, or income that is hard to read: I look at the whole file, compare options side by side, and update you and your client before anyone has to ask.

Which files do I take?

• Self-employed buyers.

• Investors.

• Buyers with no U.S. credit history.

• Income that is hard to read.

What does your buyer get?

A real look at the whole file, not a quick no. Options side by side, like bank statement, DSCR, or foreign national programs.

What do you get?

Updates for you and your client, in English or Vietnamese, before anyone has to ask. Your client feels taken care of.

Frequently Asked Questions

What kinds of files do you take?
Self-employed, investor, no U.S. credit, or income that is hard to read.

What does my buyer get?
A real look at the whole file, options compared side by side, and updates before anyone has to ask.

Is anything offered for referrals?
No. Nothing of value is offered or accepted for referrals.

Questions about this? Send me a message or call 512-300-8611, in English or Vietnamese. See also investment property with Ai Tran.

Ai Tran, NMLS #2627075. Loans through Loan Factory, NMLS #320841, in Texas and California only. Equal Housing Lender. Subject to underwriting approval; not all applicants qualify. Disclosures · Texas disclosures. This post was first published on 2026-10-30; market figures are as of that date.