Bank Statement Loans
Qualify on 12 or 24 months of business or personal deposits instead of tax returns — built for self-employed borrowers.
Clear guidance · Confident homebuying
Mortgage guidance worth the trust you place in it.
I'm Tina Black — Sr. Mortgage Loan Advisor and Homes for Heroes Specialist. Whether you're buying, refinancing or building, you get straight answers, fast pre-approvals and a lender who answers the phone.
NMLS #84718 · Licensed in CA · DC · FL · GA · MD · NC · OH · TX · VA
Award-winning
UWM Pro Elite & Top 20 Purchase LO for NC, 2025 · Homes for Heroes Quartz Circle of Giving
Open 9 AM–9 PM
Six days a week, because offers don't wait for business hours.
What I finance
Loan programs for every path home
Commercial Loans
Financing options for owner-occupied and investment commercial properties, tailored to the property and business plan.
Conventional Loans
Competitive fixed and adjustable-rate financing — often with as little as 3% down. Down Payment Assistance Programs are available for eligible borrowers.
Down Payment Assistance
Grant and second-lien assistance options that help eligible FHA and Conventional borrowers cover the down payment.
DSCR Loans
Investor financing qualified on the property's rental income rather than your personal income.
FHA Loans
Flexible credit guidelines with a standard minimum down payment of 3.5% for eligible borrowers. Down Payment Assistance Programs are available for eligible borrowers.
Recognition
Honored for service, not just volume
From the blog
Notes on financing
5 min read
Four Steps to a Strong Mortgage Pre-Approval
Pre-approval is more than a number on a letter — it is the leverage that gets your offer taken seriously.
4 min read
Homes for Heroes: How the Savings Actually Work
Firefighters, nurses, teachers, law enforcement and military members earn real money back at closing. Here is the breakdown.
6 min read
Buying a Home When You Are Self-Employed
Write-offs that help at tax time can hurt at underwriting. Bank statement and non-QM programs solve for that.
Let's talk about your numbers.
Pick a time that works, or call me directly at (252) 590-4334.
Book an appointment