For CPAs and advisors: when the plan collides with a mortgage

Two clients walk into this collision constantly. The business owner whose return you optimized beautifully, who now cannot qualify for a house because the bottom line you engineered is the number a lender read. And the retiree or recent seller whose balance sheet you built, sitting on substantial assets, being told they have no income.

Both have answers. Write-offs like depreciation can be added back to qualifying income, and when returns genuinely cannot get there, deposits can qualify instead. Asset-rich clients can convert balances into qualifying income without touching a dollar of what you have positioned for them.

Send me the collision, not the client's documents: a few sentences describing the situation is enough. I will tell you what is possible and what it costs, you decide what serves the plan, and your client hears a coordinated answer instead of two professionals contradicting each other. The client relationship stays exactly where it belongs, with you.

Call or text 360-389-6605, or email dustin.brumley@movement.com.