Alternative Mortgage Solutions
Heartland Financial & Mortgage offers alternative mortgage products that do not follow agency lending guidelines, such as conventional, FHA, USDA, and VA loans. Many people would not be able to purchase their homes without them. This is why understanding them is a valuable tool.
Who Needs An Alternative Mortgage?
Alternative mortgage solutions are ideal for borrowers with non-traditional income or financial profiles that don’t fit standard lending guidelines. These loans open the door to homeownership for individuals who might otherwise struggle to qualify.
Borrowers who could benefit from alternative loans include:
Borrowers who could benefit from alternative loans include:
Self-employed individuals
·Foreign nationals
·Borrowers with high debt-to-income (DTI) ratios
·Independent contractors
·Real estate investors
·Small business owners
·Gig economy and freelance workers
·Retirees with fixed or asset-based income
These are just a few examples of people who may benefit from our more flexible loan options tailored to their unique financial situations.
Benefits of our Alternative Mortgage Solutions
The significant advantage of our products is that they offer greater flexibility in terms of income and credit. And at the end of the day, getting the loan means you will be the proud owner of your dream home.
Why Choose HFMKC?
At Heartland Financial & Mortgage, we treat every client like family. Whether you’re self-employed, an investor, or need a more personalized approach to home financing, we’re here to help you navigate your options with confidence and clarity.
Local expertise
Personalized guidance
Solutions Tailored for YOU!
HFMKC- Putting People First
Kansas Office
Missouri Office
7315 West 79th Street
Overland Park, KS
913-359-5600
Dan Farmer
Direct: 913-709-5341
dfarmer@hfmkc.com
Josh Switzer
Direct: 816-745-0045
jswitzer@hfmkc.com
Rita Farmer
rfarmer@hfmkc.com
Sadi Spalding
sspalding@hfmkc.com
Missouri Office
Missouri Office
103 S Jefferson St Suite 3,
Raymore, MO 64083
Dan Farmer
Direct: 913-709-5341
dfarmer@hfmkc.com
Danielle Manson
Direct: 816-256-0363
dmanson@hfmkc.com
Josh Switzer
Direct: 816-745-0045
jswitzer@hfmkc.com
Heartland Financial & Mortgage KS
NMLS #2457626
Heartland Financial & Mortgage MO
NMLS #2505009
Dan Farmer NMLS #779961
Danielle Manson NMLS #2477659
Josh Switzer NMLS #257335