Mortgage expertise that gets your loan closed
From conventional to VA, Jumbo, and Non-QM, we match you with the right loan for your situation. 21 years in the business, and if we can't close it, no one can.
Most lenders say no to your income. We don't.
You don't need a traditional W-2 to get a mortgage. We qualify real income in all its forms, so more borrowers get approved.
W-2 wages
Standard salaried or hourly income documented through pay stubs and tax returns. The straightforward path to approval.
Self-employed tax returns
Two years of business and personal returns prove your income. We know how to read a Schedule C that others reject.
Bank statement deposits
No tax returns? Twelve months of personal or business bank statements show steady deposits. That's your income.
1099 and P&L
Contractors and gig workers qualify with 1099s or a signed profit and loss statement. Clean, honest income gets approved.
Asset-based qualification
Retirement accounts and other assets can stand in for income. Ideal for retirees and those between jobs.
Investment property income
Rental revenue from an existing property counts toward your qualifying income. Your portfolio works for you.
21 years of qualifying borrowers the other lenders say no to.
From W-2s to bank statements, we find a way to make your income work. That's what 21 years in the business gets you.
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Loan programs offered
Conventional, FHA, VA, USDA, Jumbo, Non-QM, reverse, and commercial options.
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Income qualification paths
Tax returns, bank statements, 1099s, P&L, or investment property income.
The income that got you here works here
Wages, self-employed tax returns, bank statements, 1099s, assets, even investment property income can qualify. Over 21 years, we've seen every situation and matched it with a path to closing.
Straight answers on docs and qualifying
Here are the loan questions borrowers ask us most, answered plainly.
What documents do I need to apply for a mortgage?
Standard cases need two years of tax returns, recent pay stubs, bank statements, and a photo ID. Self-employed? You can often qualify with 12 months of bank statements instead, no tax returns required.
Can I qualify if I'm self-employed with lots of deductions?
Yes. That's the most common situation we handle. We can use bank statement deposits, 1099s, or a profit and loss statement to document your real income, even if your tax returns show less.
What if I don't have traditional W-2 income?
We have options for asset-based, investment property income, and even retirement account income. If your income is real and documented, there's likely a loan that fits your situation.
How long does the loan approval process take?
Most pre-approvals come back within a few days once we have your documents. The full process from application to closing typically runs 30 to 45 days, depending on the loan type and how quickly documents come in.
What credit score do I need to get a home loan?
It depends on the loan program. FHA loans can work with lower scores, while conventional loans generally need higher ones. We work with 100+ investors, so we can usually find a fit for your credit profile.
Do you offer loans if I already own an investment property?
Yes. We can even qualify you using the income your investment property generates. It's one of the most flexible ways we can help investors grow their portfolio in Orange County.
Your situation is probably not new to us
In 21 years, we've seen almost every loan scenario. Call and tell us about yours.
Ready to see what you qualify for?
Bring your questions and your documents. We'll walk through your options and start your pre-approval, so you can shop with confidence.