Residential Mortgage Guidance With a CPA’s Financial Perspective
Sin Yo helps borrowers understand mortgage documentation, program differences and the relationship between business records, tax returns, income and financing. Mortgage services are separately provided through NEXA Mortgage, LLC.
Florida CPA AC36038NMLS 1903930QuickBooks Gold ProAdvisorEnglish & KoreanTampa Bay
Mortgage Options
Program availability and qualification are subject to current guidelines and underwriting.
Potential Programs and Services
Home-purchase mortgages and refinancing
First-time-homebuyer programs
Conventional, FHA, VA and USDA loans
Investment-property and DSCR loans
Bank-statement and Non-QM programs
HELOCs and second mortgages
Self-employed borrower programs
Payment, down-payment and closing-cost comparisons
Prequalification and preapproval coordination
Korean-language explanation of mortgage documents
Coordination with agents, title, insurance and other professionals
Self-Employed Homebuyer Preparation
Business owners may have difficulty qualifying when tax returns, payroll, business income, bank deposits and bookkeeping are not properly coordinated.
Preparation Services
Review of business tax returns and year-to-date financial statements
Business bank-statement organization and large-deposit documentation
Owner-transfer analysis and preliminary qualifying-income review
Tax-planning considerations before a mortgage application
Comparison of conventional and alternative-documentation programs
One- or two-year home-purchase preparation planning
Required Mortgage Disclosure
Mortgage services are offered by Sin Yon Yo, Mortgage Loan Originator NMLS #1903930, through NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Opportunity.
Mortgage services are separate from services provided by Yo & Company, CPA. A client is not required to use NEXA Mortgage or any affiliated professional as a condition of receiving CPA, accounting or tax services.
The NEXA-approved application link, logos, Equal Housing Opportunity logo and state disclosures will be added only after NEXA compliance approval.
Start a Mortgage Conversation
The application button remains a placeholder until the approved NEXA link is supplied.
Mortgage: Sin Yon Yo NMLS #1903930 through NEXA Mortgage, LLC NMLS #1660690. Equal Housing Opportunity. Real estate: Mi Ran Yo, Broker BK3051170 through LANDMARK REALTY LLC. Legal services are independently provided through Smith & Eulo Law Firm. Yo & Company, CPA is not a law firm.
