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After a bank's quick "no" to my friend who is self-employed, a broker's call explained alternative lenders and how add-backs were used to qualify him.
Early morning I realized the stress test could affect our ability to borrow for renovations, which I had assumed was only a purchase-era rule.
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At the office parking lot a buddy said he was self-employed and bank rejections led him to a broker who helped a workaround, something I did not know existed.