Strong cash flow, limited taxable income
Approach: Review the complete financial profile for alternative documentation paths before the buyer makes an offer.
Ascend Capital LendingPersonal Lending ConciergeStart where you are
The right financing path starts with understanding your situation.
Whether you know exactly what you need, want help comparing options, or are simply exploring, choose the starting point that fits you.
01
I know what I need
Take me directly to specific home, investor, construction, condo, refinance, or specialized financing options.
Explore financing options 02Help me figure it out
Ask me a few straightforward questions and help identify possible paths, obstacles, and next steps.
Build my financing game plan 03I’m just exploring
Show me useful guides, checklists, and possibilities without applying or making a commitment.
Show me what’s possible
Not sure which category fits? That’s normal. I’m Bill Rance, Lending Solutions Architect. You’ll always work directly with me, and I’ll give you an honest evaluation of your options. Meet Bill →
Mortgage fit checkStep 1 of 6
Your goal
What would you like to do?
Private and secure. Checking your options will not affect your credit score.
Urgent financing problem?
Already under contract or concerned your current lender may not close?
Get a confidential second look before a financing problem becomes a closing problem.
Need a local real-estate professional?
I can help connect you with a realtor in your market.
Tell me where you’re buying or selling and what you hope to accomplish. I’ll personally help identify a real-estate professional who may fit your location and goals.
You’ll always work directly with Bill
Meet Bill Rance.
I’m Bill Rance, Lending Solutions Architect at Ascend Capital Lending. You’ll speak directly with me—not a call center. I personally review complex financing scenarios and provide an honest evaluation of the practical paths available.
NMLS #2779120Always work directly with BillHonest evaluation of your optionsNo credit pull to explore options
Talk through my situation Built for real financial lives
When the standard box
doesn’t tell the full story.
Start with your situation—not a wall of loan-program jargon.
Self-employed
For business owners and independent professionals whose tax returns may not reflect their full cash flow.
Explore your pathReal-estate investors
For borrowers focused on rental-property cash flow, portfolio growth, or an investment opportunity.
Explore your pathComplex income
For multiple income streams, asset-based scenarios, recent career changes, and other nuanced financial pictures.
Explore your pathSimple by design
Clarity before paperwork.
Our fit check helps organize your goals and financial profile so the first conversation can be focused and useful.
Start the fit check- 01
Share the basics
Tell us what you are trying to accomplish and how your income works.
- 02
See a likely direction
Get a useful starting point based on the information you provide.
- 03
Review directly with Bill
Compare potential paths, documentation needs, and next steps directly with Bill.
Straight answers
Before you begin.
Will this affect my credit score?+
No. This initial fit check does not run your credit. A credit inquiry would require a separate authorization later in the process.
Is this a loan application?+
No. It is an introductory questionnaire designed to identify possible paths. It is not an application, approval, commitment to lend, or rate quote.
What if I do not know every answer?+
Use your best estimate. Bill can help clarify the details directly during a follow-up conversation.
Can self-employed borrowers qualify?+
Potentially. Qualification depends on the full scenario, but some programs evaluate income using documentation beyond traditional W-2s.