for Every Homebuyer
Entertainment Equity
Creator Space Professionals:
Why Stop at Content?
Add Lasting Financial Security to Your List of Creations.
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The average real estate professional is 55 years old.
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They won't get far enough to struggle with approving your income.
They'll struggle with understanding what you do.
By far and large, these individuals have been dictating the terms of real estate financing for all of America's professionals, factoring their own entrenched assessments of various fields of work into lending policies. A vast majority of them do not understand the intricacies of content creation and the capabilities of the professionals that operate within it, nor would they care to. More than likely, they have never heard of the platform your career is built upon.
We're Stepping in to Change That
Professionals Knowledgeable in Emerging Fields
Our team understands that the needs of a new generation of self-employed professionals in the content creation industry must be met. The content creation industry in the US alone is projected to display a growth rate of 11.9%, a speed of expansion 64% higher than that of the tech industry, and 127% higher than the pharmaceutical industry. We are active participants in the scenes we serve; our staff have been involved in managing tournaments within the collegiate University of California esports scenes, and regularly maintain a presence at large community events such as Twitchcon.
Flexible and Common-Sense Underwriting
Unfortunately, a vast majority of the mortgage lending industry has yet to understand that in spite of its unique nature, the content creation and streaming industries are no less reliable than any other form of self-employment. Not here.
When it comes to providing solutions to prevalent financial complications barring creator space professionals from obtaining home financing approval, we are effectively positioned like no other. The most common issues we regularly solve lie in low taxable income after write offs, lack of employment verification or employment history, low credit scores, high net worth clients lacking proper income documentation, and much more.
New Approach, Veteran Experience
Our approach to lending within an underserved community may be new, but our level of expertise in this industry couldn't be more thoroughly tested. Our team is a smaller operation that focuses heavily on turning our decades of industry experience into highly personalized approaches, matching our clientele with solutions that not only resolve their immediate needs, but also account for their future goals. We have funded hundreds of millions in home financing across the country and have earned our reputation as a premier mortgage brokerage. We also hold extensive experience in lending for business managers and their high-net worth clients.
Expansive Coverage From Coast to Coast
Our primary licenses cover the states of CA, CT, FL, TX, NJ, PA, and SC, encompassing many of the regions in which creator space talent are most heavily concentrated in.
However, our expansive network of business partnerships with reputable and competitive lenders allows us to serve clientele across the nation. We can facilitate traditional and non-QM purchase and refinance transactions for clientele located in the following additional states:
AZ, CO, GA, IL, MD, MI, MN, NC, NE, OH, OK, OR, TN, WA, and WV.
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We can also facilitate hard money and DSCR purchase and refinances in AL, AR, CT, DC, DE, HI, IA, IN, KS, KY, LA, MA, ME, MO, MS, MT, NH, NJ, NM, NV, NY, RI, VT, WI, WY and more.
Operating in this line of work may not be something you see yourself doing indefinitely,
and that's perfectly normal. Any career has its ups and downs, and very few professionals intend to work forever, regardless of the industry. Moving from renting to ownership is an excellent way of ensuring that you not only receive the plethora of benefits that accompany this transition, but also ensures that while your income stream remains strong, you can secure a proven and reliable vehicle for building generational wealth and facilitating the growth of lasting passive income.
Like in any self-employed profession, while your income potential can be without limits, longevity and stability are never guarantees. Something as simple as a public controversy (whether truthful or not) or an unfavorable shift in a platform's algorithm can heavily impact a career in this field. Platforms themselves can even contribute to this uncertainty; unjustified demonetization is common on many media sharing platforms, and corporate decision making (such as the infamous 2021 decision by Onlyfans executives to ban explicit content) can send shockwaves throughout an entire industry overnight.
Many such events can occur due to circumstances entirely out of your control and with little to no warning. While we can do little to stop such obstacles aside from hoping you never encounter them, what we can do is help you attain a firm financial footing as the owner of your own space.
Entertainment Equity Programs
You Build. We Preserve.
The Self-Employed A-Team
Our brokerage, while perfectly capable of originating the same mortgages that other lenders pride themselves on, rises to meet the challenge of being a powerful advocate for the self-employed professional. We understand that your on-paper financials may not represent your true qualifications as a home buyer. With over 2 decades of experience in self-employed lending, qualified buyers in content creation can rest assured with our expansive array of solutions.
Expand Your Empire
Creators with strong existing revenue may find that diversifying investments into real estate not only conveys the pride of ownership (of multiple properties no less), but also provides a prize that self-employed and fully-employed workers both constantly strive towards: an exit strategy. Whether through an intentional retirement or through external circumstances, passive income generated through real estate holdings from appreciation in value and rental cash flow can provide a lucrative and stable exit strategy. Several prominent content creators have already built large portfolios. Read more on some popular real estate investing strategies here.
Program Appraisal Voucher
What could you buy with $500? Why not pick up an ultrawide monitor or a high-quality mic setup to really make yourself at home in your new place. For qualified borrowers taking advantage of our expansive suite of lending options, we would be happy to offer you a full credit for the price of your property appraisal upon closing with us*. Depending on your state and the property's value, appraisal fees can range from $300-$600 or more. Let's keep that in your pocket.
New Field, New Financing
We've already mentioned reasons that you, as a professional in the content creation world, might want to consider moving from renting to owning or even investing into real estate. You might also think that you'll need to provide 2 years of tax returns, W2/1099 tax transcripts, months of paystubs, 20% down, a DNA sample, the list goes on. We are pleased to offer options that circumvent documentation-related roadblocks entirely. This is especially true for self-employed workers who find that their taxable income after write offs is too low for conventional financing. We can help you access a home or investment strategy that matches your true financial capabilities.
*Appraisal costs are always paid for up front in the mortgage process. Offer will extend credit at closing of loan with HP Mortgage for full appraisal amount, excluding reinspection costs if required. Valid once per loan. Minimum loan amount of $100,000.