Loan programs
The right loan for how you actually earn.
Traditional lenders often decline self-employed borrowers and investors. These programs are my specialty.
01
Self-employed specialty
Bank Statement Loans
No tax returns required. Qualify on 12–24 months of personal or business bank statements, with rates close to traditional loans. Built for business owners, 1099 earners and entrepreneurs whose write-offs hide their real income.
- ✔12 or 24 month statement options
- ✔Personal or business accounts
- ✔Purchase & refinance
- ✔Up to jumbo loan amounts
02
Real estate investors
DSCR Investor Loans
Qualify on the property's rental income, not your personal income. Ideal for growing a portfolio of single-family, 2–4 unit and short-term rentals, including in an LLC.
- ✔No personal income docs
- ✔Close in an LLC
- ✔Long- & short-term rentals
- ✔Cash-out available
03
Buy with confidence
Home Purchase
Conventional, FHA, VA and jumbo financing with a fast, strong pre-approval so your offer competes in Orange County's tight market.
- ✔Free pre-approval letter
- ✔First-time buyer programs
- ✔Jumbo financing
- ✔Fast, on-time closings
04
Put equity to work
Cash-Out Refinance
Replace your mortgage and pull out cash for renovations, debt consolidation, investments or tuition — in one new loan.
- ✔Consolidate high-interest debt
- ✔Fund remodels & ADUs
- ✔Rate & term options
- ✔Clear side-by-side analysis
05
Fund in as few as 5 days
HELOC
A 100% online Home Equity Line of Credit up to $1,000,000 with fixed or adjustable options — keep your low first-mortgage rate.
- ✔Approval in ~5 minutes
- ✔No appraisal on many files
- ✔Up to $1M line
- ✔Self-employed HELOC available
06
Full-doc classic
Conventional Loans
Fannie Mae and Freddie Mac financing for W-2 and full-documentation borrowers, with competitive rates and down payments as low as 3% for eligible buyers.
- ✔Purchase & refinance
- ✔Low down payment options
- ✔Remove PMI as you build equity
- ✔Primary, second home & investment
07
For veterans & service members
VA Loans
Zero-down financing for eligible veterans, active-duty service members and surviving spouses, with no monthly mortgage insurance.
- ✔$0 down for eligible borrowers
- ✔No monthly PMI
- ✔VA IRRRL streamline refinance
- ✔VA cash-out refinance
08
Orange County price points
Jumbo Loans
Financing above conforming loan limits for Orange County's higher-priced homes, with full-doc programs for strong borrowers.
- ✔High loan amounts
- ✔Fixed & adjustable options
- ✔Purchase & cash-out refinance
- ✔Primary & second homes
09
Flexible qualifying
FHA Loans
Government-backed financing with low down payments and more flexible credit guidelines, popular with first-time buyers.
- ✔Down payments as low as 3.5%
- ✔Flexible credit guidelines
- ✔Purchase & refinance
- ✔FHA streamline refinance
Let's find your best rate.
Soft credit check only. No SSN required to see options.