Tim Hardin

CEO | Mortgage Advisor NMLS ID# 294131 United Modern Mortgage NMLS 2414401

[Tim Hardin @lendwithtim]

@atishayhyperke Reply

[Tim Hardin @lendwithtim]

@alxberman Pain

[Tim Hardin @lendwithtim]

@jack_9947 Outreach

[Tim Hardin @lendwithtim]

@AlfieJCarter Skills

[Tim Hardin @lendwithtim]

@LoganTGott System

[Tim Hardin @lendwithtim]

@VikramK38703637 Claude

[Tim Hardin @lendwithtim]

@AndrewBolis Guide

[Tim Hardin @lendwithtim]

@wanneracademy Solid advice. Thanks! 🙏

[Tim Hardin @lendwithtim]

Just helped a self-employed client who was turned down by 3 banks finally buy their dream home. 💼🏡

They write off a lot on taxes (like many biz owners) — but we used 12 months of bank statements to qualify them with no tax returns required. ✅

Non-QM loans aren’t “out of the box” — they build a new box for real life.

If you’re self-employed and tired of hearing “no,” I’ll help you find a smart yes.

DM me or apply here: https://t.co/feyWYqpNEk
NMLS 294131 / 2414401
#selfemployed #entrepreneur #nonqm

[Tim Hardin @lendwithtim]

You don’t own success.
You rent it — and the landlord demands daily effort.
One skipped call, one missed follow-up, one “I’ll do it tomorrow” stacks up fast.
Keep paying rent.

[Tim Hardin @lendwithtim]

Want to see if you qualify using the new scoring model?

I help clients in all 50 states — especially self-employed & first-time buyers.

📲 Apply today: https://t.co/eo51cEqAZa
Tim Hardin | NMLS 294131
United Modern Mortgage | NMLS 2414401

[Tim Hardin @lendwithtim]

🚨 BREAKING:
Fannie Mae & Freddie Mac will now accept VantageScore 4.0 — starting TODAY.

This shakes up the FICO monopoly in mortgage credit scoring and could be a game-changer for first-time buyers, gig workers, and immigrants.

Here’s what it means 👇

[Tim Hardin @lendwithtim]

🎯 Final thought:

This move introduces competition—a great first step.

But adoption, cost savings, and secondary market confidence will determine if this actually helps borrowers or just shifts profits.

Stay tuned.

[Tim Hardin @lendwithtim]

💰 What about lenders?

Lenders have been frustrated by FICO’s price hikes.

But here’s the kicker:
VantageScore is owned by the credit bureaus (Equifax, Experian, TransUnion)…
…who’ve also raised prices.

Will this really be cheaper?

[Tim Hardin @lendwithtim]

🏡 This is HUGE for:
•First-time buyers
•Gig workers
•Immigrants
•Anyone rebuilding credit

More people may now qualify for a home loan. 🙌

[Tim Hardin @lendwithtim]

🏆 VantageScore 4.0 advantages:

✅ Uses trended data
✅ Only needs 1 month of credit history (FICO needs 6)
✅ Ignores paid collections & unpaid medical collections
✅ Counts rent & utility payments
✅ 14-day inquiry buffer (FICO varies)

[Tim Hardin @lendwithtim]

⚖️ Why this matters:

FICO has been the ONLY score used in mortgages for decades. But…

❌ It’s expensive
❌ Outdated
❌ Often unfair to younger buyers or thin-file borrowers

VantageScore 4.0 offers a new path.

[Tim Hardin @lendwithtim]

📢 FHFA Director Bill Pulte announced that lenders can now use VantageScore 4.0 for loans going to Fannie & Freddie.

✅ No new tech needed
✅ Tri-merge reports still allowed
✅ Lenders don’t need to overhaul systems

[Tim Hardin @lendwithtim]

🏡 $0 Down + $100K Cash in Hand — Bridge Loan Magic! 💰

Just closed a bridge loan for a single mom that changed everything for her:

✅ $0 down on the new home
✅ $100,000 cash in hand at closing
✅ No appraisal, no credit score, no income docs — stated-only loan
✅ Funds used to remodel her current home and cover monthly payments

Here’s how we made it happen:

We used the equity in BOTH properties — her departing residence and her new home — to structure the deal.

✅ We gave her value for both properties
✅ Subtracted any debts owed on the current home
✅ Lender went up to 65–70% of the combined value
✅ And allowed us to finance up to 120% of the new purchase price

She didn’t need to sell first. She didn’t need to bring a dime to the table. And now, she’s moving forward with confidence and cash in hand.

💬 Want to see how this works for you or your client?

Let’s talk — these programs are fast, flexible, and powerful.

📲 https://t.co/gdDMkMj0Eo
📞 949-374-1833
📧 [email protected]

—
Tim Hardin | United Modern Mortgage
NMLS #294131 | Company NMLS #2414401

[Tim Hardin @lendwithtim]

🚫 No tax returns. No pay stubs. No W2s.
🏡 Just a smart path to homeownership.
We now offer a No-Income Verified Mortgage designed for underserved, self-employed, and underbanked clients.
✅ No DTI calculated
✅ No income stated
✅ Up to 80% LTV
✅ 30-Year Fixed
✅ No prepayment penalties
✅ For primary homes only
Perfect for:
– Entrepreneurs
– Cash business owners
– Clients with non-traditional income
– Those rebuilding from credit issues
💡 Our goal? Help clients build wealth through real estate — not get denied by a checkbox.
📲 Want to see if you qualify? Apply here: https://t.co/58DYFmSdrk
📞 Questions? Call/text me direct: 949-374-1833
NMLS #294131 | Company NMLS #2414401
#mortgage #noincomeloan #selfemployedhomebuyer #mortgagebroker #homeownership #debtfreedom