Mortgages, cash-out & HELOCs that read a K-1 correctly
Making partner shouldn't read like losing your job. Our specialists qualify attorneys on partnership agreements, one-year K-1s, draw history, or firm deposits — for purchases, cash-out, jumbo, and the buy-in itself.
What would you like to do?
Two minutes · No credit check · No obligation · No pushy calls
Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
You leave W-2 land, income arrives as K-1s and draws, and conventional guidelines want two years of it — so the biggest promotion of your career triggers a waiting period. Our specialists use lenders who read the partnership agreement and distribution schedule directly, accept one year of K-1, or simply count what the firm deposits. Contingency-fee practices with lumpy settlements are a textbook fit for deposit averaging.
One-year K-1 programs plus the partnership agreement and draw schedule — or non-QM options that read the agreement directly. The promotion counts as a promotion.
Office, staff, malpractice premiums, and bar dues shrink your Schedule C, not your approval — deposit and P&L-based programs read the practice's real economics.
Lenders in our network use your actual reported IDR/IBR payment — a $400 payment is $400 in the ratio, not a percentage of a six-figure balance.
The math is easy to check yourself: LumoLend's free DTI calculator shows how your actual IBR payment lands in the ratio, and their jumbo loan requirements guide covers what big-firm loan sizes take.
Equity, meet equity partner
The most common use we see: funding the capital contribution when you make partner — without liquidating investments or touching your first-mortgage rate. It's also the clean bridge for contingency practices between settlements.
Two minutes · No credit check · No obligation
"Eleven months after making partner, three banks told me to come back in a year. My specialist read the partnership agreement and closed on the house in 24 days."
"The HELOC covered my capital contribution the week I was voted in. Cheaper than selling stock, and my 2.9% first mortgage never moved."
"Contingency practice, wildly lumpy years. Deposit averaging finally made my income legible to a lender."
Two minutes · No credit check · No obligation
Usually — some lenders accept one year of K-1 with the partnership agreement and distribution schedule; non-QM options can work from the agreement and draws alone.
Yes — it's one of the most common attorney uses: borrow against home equity for the buy-in rather than liquidating investments, with the first mortgage untouched.
Rarely — lenders use the actual payment reporting on credit (including income-driven plans), not a percentage of the balance.
Deposit-based programs average 12–24 months, which is exactly what lumpy settlement income needs.
Yes — our sibling brand LumoLend offers free, no-login mortgage calculators and 40+ plain-English guides. Run your DTI, price a scenario, and show up to the conversation already knowing your numbers.
Two minutes · No credit check · No obligation