Richard Thomas Ellis – Pilgrim Mortgage
Corporate Address: 8900 Business Park Dr. Austin, TX 78759
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
Flexible Financing for Non-Traditional Borrowers
Non-QM (Non-Qualified Mortgage) loans are tailored for borrowers who do not fit traditional mortgage guidelines. This includes self-employed individuals, investors, or those with irregular income streams. Non-QM loans provide a pathway to homeownership when standard loan programs may not accommodate your financial situation.
Alternative Income Verification
Non-QM loans allow for alternative income documentation methods, such as bank statements, 1099s, or profit and loss statements. This means you don’t need to rely solely on traditional W-2s or tax returns, which is especially beneficial for self-employed borrowers or business owners. By using these alternative methods, Tyler Gould ensures you can qualify for a mortgage that truly reflects your financial reality, giving you the freedom to secure a loan that fits your lifestyle and income patterns.
Flexible Credit and Loan Options
Non-QM loans offer flexibility in credit requirements, debt-to-income ratios, and loan structures. This makes them accessible to borrowers who may have past credit challenges or complex financial circumstances that would prevent them from qualifying for Conventional or government-backed loans. Tyler Gould helps you evaluate the best Non-QM option based on your specific goals, whether it’s a fixed-rate loan, interest-only structure, or other customizable terms. This ensures your mortgage solution is tailored to both your short-term needs and long-term financial strategy.
Benefits of Non-QM Loans
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Qualify with alternative income documentation (bank statements, 1099s, P&L)
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Flexible credit requirements and loan structures
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Faster approval and closing process
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Access to homeownership for self-employed and non-traditional borrowers
Fast and Efficient Process
Non-QM loans often allow for faster approval compared to traditional mortgages because they are designed for borrowers with unique situations. With the right documentation and guidance, you can move quickly from application to closing. Tyler Gould ensures that your application process is organized and efficient, helping you avoid unnecessary delays while taking advantage of time-sensitive opportunities in the real estate market.
Why Choose First Colony Mortgage
At First Colony Mortgage, we are committed to helping you achieve your homeownership and investment goals with confidence. Led by Tyler Gould, our team provides personalized guidance tailored to your unique financial situation, ensuring that every loan option—from Conventional and FHA to DSCR and Renovation Loans—aligns with your needs.
We are known for
Personalized Guidance: Tailored mortgage solutions to fit your unique financial needs.
Expertise Across Loan Programs: Deep knowledge of Conventional, FHA, VA, Jumbo, DSCR, and other specialized loans.
Fast and Transparent Process: Efficient approvals with clear communication at every step.
Commitment to Client Success: Helping borrowers achieve homeownership and investment goals with confidence.
Why Choose Rapid Closing?
Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.
We are known for
Fast & Reliable Closings – Streamlined processes that save you time and stress.
Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.
Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.
Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, Non-QM, 1099, Profit & Loss, Construction, Renovation, Fix & Flip, HELOCs, and Down Payment Assistance loans to meet diverse financial needs.
Tyler Gould and our team provide personalized consultations to evaluate your financial situation, goals, and property type. We then recommend the loan program that best aligns with your needs and long-term strategy.
Yes! We specialize in loans for self-employed borrowers, including 1099 Loans, Profit & Loss Loans, and Bank Statement Loans, using alternative income verification methods to help you qualify.
Approval timelines vary depending on the loan type and documentation provided. Our team works efficiently to streamline the process, often securing approvals faster than traditional lenders while keeping you informed every step of the way.
Absolutely. We provide Down Payment Assistance programs and expert guidance to help first-time buyers navigate the mortgage process, reduce upfront costs, and achieve homeownership with confidence.
Expand Homeownership Opportunities
Non-QM loans broaden access to homeownership for a wide range of borrowers, including self-employed professionals, investors, and those with unconventional income streams. These loans provide the opportunity to secure financing that traditional programs may not offer. With Tyler Gould at First Colony Mortgage, you gain expert advice and personalized support, ensuring you fully understand the options available and can confidently move forward with a loan that fits your unique circumstances.
