Non-Conventional Loans
Rob and the Mad City Home Loans Team proudly serve Wisconsin, Illinois, Iowa, Minnesota, Michigan, Florida, Texas, North Dakota, South Dakota, Colorado, and Washington.
Rob and Mad City Home Loans provides flexible non-conventional loan solutions for borrowers whose financial situations don’t always fit traditional lending guidelines. These programs are designed to create realistic, achievable paths to homeownership using smart, transparent financing strategies.
With over 20 years of experience, Rob specializes in structuring loan solutions for self-employed borrowers, complex income situations, or unique financial profiles. His approach combines deep lending knowledge with a practical, personal strategy for each client. Every loan is built around your real numbers, your goals, and your timeline, with clear guidance and steady support from application through closing.
How it works
Apply
Start with Clarity and Confidence
Not sure if a non-conventional loan is right for you? We’re here to help borrowers with self-employed income, complex financial situations, or unique profiles understand their options. Non-conventional loans provide flexible paths to homeownership while keeping the process clear, structured, and manageable.
1
See Custom Loan Options
Receive personalized non-conventional loan recommendations based on your income, employment type, credit history, and homeownership goals. We’ll review interest rates, estimated payments, and program requirements to help you understand how these flexible solutions can work for your situation. Schedule a consultation today to get started.
2
Get Approved
Complete a secure online application to begin your non-conventional loan pre-approval. Pre-approval helps you understand your buying power and allows you to confidently start shopping for a home.
3
Close Your Loan Fast
Access your Rob and Mad City Home Loans to-do list, securely upload documents, and track your loan progress using your smartphone or computer. Our organized, step-by-step process helps keep your non-conventional loan moving forward smoothly.
4
After Close
Your relationship with Rob and Mad City Home Loans continues after closing. Stay connected for future refinancing opportunities, loan reviews, and educational resources. We also recommend scheduling an annual mortgage checkup to ensure your loan continues supporting your long-term goals.
Mortgage Process
1. Initial Phone Consultation
Your non-conventional mortgage journey begins with an initial phone consultation focused on clarity and planning. We’ll review your unique financial situation, program options, and how the overall process works. We’ll also estimate your buying power and discuss realistic monthly payments. You’ll receive a clear checklist of documents needed for pre-approval.
2. Pre-Approval Consultation
After your application is submitted, we’ll schedule a detailed pre-approval consultation. During this call, we review your income, assets, employment type, and credit to determine eligibility and loan options. We explain everything in plain language and answer your questions. You’ll receive a pre-approval letter to strengthen your position as a buyer.
3. Shopping for a Home
With pre-approval in hand, you’ll work with a real estate agent to find homes that fit your needs, lifestyle, and budget. Your agent will help with showings, pricing strategies, and neighborhood insights. When you’re ready to make an offer, your pre-approval shows sellers you’re financially prepared and serious.
4. Loan Application Consultation
Once your offer is accepted, we move into the formal non-conventional loan application phase. We’ll review your full application together, confirm accuracy, and discuss loan structure, payments, and program-specific requirements. You may choose to lock your interest rate to protect against market fluctuations.
5. Document Collection and Review
We’ll request any remaining documents needed to support your loan file, including updated income, employment verification, or asset information. Our team carefully reviews all documentation to ensure it meets lender guidelines and program requirements, helping prevent delays later in the process.
6. Insure Your Home
Homeowners insurance is required and protects your investment. You’ll begin shopping for coverage, often starting with your current provider. If needed, we can connect you with trusted insurance professionals. Proof of coverage is collected to keep your loan moving forward.
7. Appraisal and Inspection
We’ll order a home appraisal to confirm the property’s value and ensure it meets lender standards. This protects both you and the lender. You may also choose to schedule a home inspection, which is highly recommended to identify potential issues before closing.
8. Processing and Underwriting
During processing, we verify all loan details, including income, employment, assets, and property information. Third-party verifications are completed, and the appraisal is reviewed. Your file is then submitted to underwriting for a detailed review to confirm eligibility and compliance.
9. Conditional Loan Approval
After underwriting reviews your file, you’ll typically receive a conditional loan approval. This means your loan is moving forward, though additional documents or clarifications may be requested. We guide you through each requirement clearly and efficiently.
10. Final Loan Approval (Cleared to Close) & Pre-Closing Consultation
Once all conditions are satisfied, your loan is officially cleared to close. We’ll schedule a pre-closing consultation to review final steps and ensure you feel confident heading into closing day.
11. Final Closing Disclosure Consultation
Before closing, you’ll receive your Closing Disclosure outlining final loan terms, monthly payments, and closing costs. We’ll review it together and confirm the closing date, time, and location while answering any last questions.
12. Closing
Closing day is when your non-conventional loan is finalized. You’ll sign mortgage documents, complete any required payments, and finalize the transaction. For purchases, this is when ownership officially transfers and you receive the keys to your new home.
13. After Closing & Beyond
Your first mortgage payment is typically due about one month after closing. We’ll provide clear instructions and continued support. From here on, you become a Client for Life with Rob and Mad City Home Loans. With over 20 years of experience, Rob continues to help clients improve their mortgage strategy, optimize financing, and plan for future homeownership goals.
Contact Us
Get in Touch
Have a question about your mortgage or next steps? Send us a message and our team will get back to you as soon as possible.
