Los Angeles Based Mortgage Broker Self-Employed Mortgage Expert Bank Statement Loan Specialist Jumbo & Luxury Home Financing Investment Property Loans Non-QM Lending Specialist Los Angeles based mortgage broker specializing in self-employed and bank statement loans, jumbo and luxury home financing, investment property loans, and Non-QM lending.

Challenge

The borrower found their next home before selling their current one.

Solution

Structured financing that allowed them to purchase before selling.

Result

Closed in just two weeks with only 5% down and moved into the new home before listing the previous residence.

Challenge

Large business deductions reduced taxable income.

Solution

Qualified using business bank statements instead of tax returns.

Result

Purchased a primary residence using documented cash flow.

Challenge

Multiple businesses and fluctuating annual income.

Solution

Qualified through a jumbo bank statement program.

Result

Purchased a luxury home using alternative income documentation.

Challenge

Borrower wanted a streamlined documentation process.

Solution

Qualified using a CPA-prepared Profit & Loss statement.

Result

Closed with significantly reduced documentation requirements.

Challenge

Traditional DTI calculations limited purchasing power.

Solution

Qualified using the property's rental income instead of personal income.

Result

Expanded an investment portfolio without relying on personal tax returns.

Challenge

The HOA did not meet agency requirements due to investor concentration, reserve funding concerns, and insurance limitations. Non-warrantable condos may also result from pending litigation, excess commercial space, budget deficiencies, or insurance issues.

Solution

Placed the financing with a lender specializing in non-warrantable condominium projects.

Result

Successfully closed despite HOA issues that prevented many traditional lenders from financing the project.

Challenge

Self-employed physician wanted to access equity without qualifying through tax returns.

Solution

Qualified using 24 months of business bank statements.

Result

Consolidated higher-interest debt and freed up capital for business growth.