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Who We Help

Bill Rance helping a couple understand their financing options

Start with your situation. We’ll help identify the financing paths.

You do not need to know which loan program you need. Choose the situation that sounds most like yours, and we’ll help identify possible options, potential obstacles, and a practical next step.

Not sure where you fit? Take the general 60-second Financing Fit Check →

What you’ll receive

Choose your situation and receive:

Takes about 60 seconds. No obligation. No immediate credit pull.

01

Self-employed borrowers

Your income may be stronger than your tax returns suggest.

For business owners, independent professionals, and borrowers with multiple or nontraditional income streams.

We can help you explore:

  • Bank-statement qualification
  • Multiple businesses or income streams
  • Alternative income documentation
  • Cash-flow and reserve requirements
What you may discover

Whether your income could be evaluated differently and which documentation path may give lenders a clearer picture.

Check my self-employed options →Learn about self-employed financing
02

Real-estate investors

The property’s income may matter more than your personal income.

For investors purchasing, refinancing, or expanding a rental-property portfolio.

We can help you explore:

  • DSCR financing
  • Long- and short-term rental scenarios
  • Portfolio growth and cash-out
  • Property cash-flow requirements
What you may discover

Whether the property’s projected or current rental income may support the financing.

Check my investor options →Learn about investor financing
03

Coastal property and condo buyers

The borrower may qualify—even when the property creates the problem.

For buyers navigating coastal condos, HOA requirements, flood zones, insurance costs, or warrantability concerns.

We can help you explore:

  • Condo warrantability
  • HOA and building documents
  • Insurance and flood-zone considerations
  • Rental restrictions and reserves
What you may discover

Whether the property presents financing concerns that should be addressed before making an offer.

Check this property’s financing fit →Learn about coastal and condo financing
04

Veterans and military families

Your financing plan should account for your benefits, timeline, and relocation.

For service members, veterans, and military families buying, refinancing, or relocating.

We can help you explore:

  • VA eligibility and entitlement
  • PCS and relocation timing
  • Primary-residence requirements
  • Seller concessions and appraisal
What you may discover

How your VA benefits and relocation timeline may affect your financing strategy.

Check my VA financing path →Explore VA buyer resources
05

Builders and owners looking to build

Construction financing depends on more than the finished property.

For builders, landowners, investors, and buyers planning a custom home, renovation, or ground-up project.

We can help you explore:

  • Land and existing equity
  • Project budget
  • Builder experience
  • Liquidity, reserves, and draw schedules
What you may discover

Whether the borrower, builder, budget, and project appear aligned with common construction-financing requirements.

Check my construction readiness →Learn about construction financing
06

Vacation- and second-home buyers

How you plan to use the property can change the financing options.

For buyers considering a personal getaway, seasonal residence, or second home in a destination market.

We can help you explore:

  • Second-home occupancy rules
  • Short-term rental intentions
  • Down-payment expectations
  • Property, insurance, and reserves
What you may discover

Whether the property is more likely to fit second-home, investment-property, or another financing category.

Check my second-home options →Learn about second-home financing
07

Move-up and transitioning homeowners

Buying the next home can become complicated when the current home has not sold.

For homeowners moving while managing an existing mortgage, home equity, and two transaction timelines.

We can help you explore:

  • Buying before selling
  • Using existing home equity
  • Bridge and transition strategies
  • Purchase and sale timing
What you may discover

Which financing approaches may help coordinate the next purchase with the sale of your current home.

Check my move-up strategy →Explore buy-before-you-sell considerations
08

Commercial and special-purpose properties

Some properties require financing built around the business, asset, and intended use.

For investors and business owners financing commercial, mixed-use, or special-purpose real estate.

We can help you explore:

  • Property type and intended use
  • Business or property cash flow
  • Borrower and operator experience
  • Conventional, portfolio, or SBA-related paths
What you may discover

Which financing category may be worth exploring based on the property, business, and transaction structure.

Check my commercial financing path →Discuss a commercial scenario

None of these fits perfectly?

That’s normal. Financing situations rarely fit into a single category.

Answer a few questions and we’ll help identify a more appropriate place to begin.

Help me find my starting point →Tell Bill about my situation
Bill Rance, Lending Solutions Architect

Work directly with Bill

Not sure which category fits your situation?

I’m Bill Rance, Lending Solutions Architect at Ascend Capital Lending. I personally review borrower, property, and financing scenarios to help identify a practical place to begin.

My approach was shaped by service in the U.S. Navy as an Electronics Technician, followed by an engineering education and career built around analyzing complex systems, finding the source of a problem, and developing workable solutions.

As a real-estate investor, I also understand financing from the borrower’s side—the importance of cash flow, project risk, timing, property condition, and a structure that supports the actual investment plan. That combination helps me look beyond a standard checklist and evaluate the full situation.

Tell Bill about my situation →

You’ll speak directly with me and receive an honest evaluation of your options. NMLS #2779120