Matt Schwartz
Matt Schwartz is a mortgage broker with Southlake Mortgage (NMLS ID 151017) and an author for VA Loan Network.
He is ranked #18 nationally for VA loan volume, #13 nationally for FHA loans, and #67 overall in total units closed. His work focuses on VA and FHA purchase lending and complex qualification scenarios where documentation and timing matter.
Mortgage broker, author
Southlake Mortgage
| Verify NMLS | View LinkedIn | Focus areas |
Biography
Matt’s experience includes VA and FHA purchase transactions involving complex borrower profiles, including prior credit events, layered income sources, self employed income, disability income, entitlement strategy, and tight contract timelines. His perspective is grounded in how guidelines are applied in real approvals, where documentation slows files down, and how early structure decisions reduce preventable underwriting friction.
Credentials and Focus Areas
- VA purchase lending: Eligibility, documentation, and structure decisions that reduce avoidable underwriting friction.
- FHA purchase lending: Qualification details, documentation, and common approval choke points.
- Credit event scenarios: How prior credit issues affect approvals and what documentation lenders typically require.
- Layered income: Variable income sources and the documentation used to support stable qualifying income.
- Self employed income: Income analysis and common friction tied to business documentation and verification.
- Disability income: Qualifying disability income and aligning documentation with lender requirements.
- Entitlement strategy: Prior use scenarios and how entitlement affects down payment and structure options.
- Tight timelines: Purchase deadlines where upfront accuracy prevents last minute delays.
Disclosure:
VA Loan Network is an independent educational website and is not affiliated with the U.S. Department of Veterans Affairs.
Content is general information, not individualized advice.