Videos
Short explainers from Nate Jones — physician mortgages, DSCR loans, bank statement loans, and more.
Physician Mortgage Explained in 60 Seconds
Nate Jones (NMLS #304056) explains how physician mortgages work — 0% down, no PMI, student debt excluded from DTI. For doctors, dentists, residents, and fellows buying a home in 2026.
Bank Statement Loans for Self-Employed Borrowers — Explained
Nate Jones explains how bank statement and alt-doc loans let self-employed borrowers qualify on deposits instead of tax returns — and when keeping your write-offs actually saves you money on a mortgage.
What Is a Bank Statement Loan and Who Is It For?
Nate Jones explains bank statement loans in plain English — who qualifies, how they work, and when they make sense. NMLS #304056.
How Do Lenders Calculate Income From Bank Statements?
Nate Jones walks through the exact math lenders use to calculate qualifying income from bank statements. NMLS #304056.
I'm Self-Employed — Why Can't I Get a Mortgage?
Nate Jones (NMLS #304056) explains why self-employed borrowers who maximize tax write-offs get denied by conventional lenders — and what the bank statement loan alternative looks like.
What Is the Write-Off Trap and Why Does It Hurt Self-Employed Borrowers?
Nate Jones explains exactly why self-employed borrowers who maximize write-offs get denied for mortgages — and what the fix looks like. NMLS #304056.
Should I Stop Taking Write-Offs to Qualify for a Mortgage?
Should you reduce write-offs to qualify for a mortgage? Nate Jones gives the honest answer after 23 years. NMLS #304056.
Hi, I'm Nate Jones — Mortgage Loan Officer
Nate Jones (NMLS #304056) introduces himself and explains his approach to mortgage lending. 23+ years closing loans for doctors, investors, and self-employed borrowers nationwide.