The mortgage your bank said no to?
We’ll find a way.
Specialized lending for self-employed borrowers, investors, and anyone whose income doesn’t fit the traditional mold. Serving Los Angeles and all of California.
3,000+
Loans closed
17
Avg days to close
4.9★
Google rating
80+
Loan programs
Loan programs
One team. Multiple ways to qualify.
We match you with the right program — not the other way around.
Conventional Loans
From 3% downSolid credit, straightforward path
Traditional mortgage options with competitive rates for buyers who meet standard qualifications.
FHA Loans
From 3.5% downFirst home? Lower barrier to entry
Government-backed loans designed for first-time buyers and those who need flexibility on down payment and credit.
VOE Loans
Alt docsQualify with just your employment letter
Skip the full income documentation. An employment verification letter is all you need to get started.
P&L Loans
Self-employedYour P&L is your paycheck
Built for self-employed borrowers, freelancers, and business owners. Use your profit and loss statements to qualify.
Non-QM Loans
Flexible approvalCan't prove income the traditional way?
For borrowers outside the box — bank statements, asset depletion, DSCR, and other alternative qualification methods.
No commitment. No hard credit pull.
Who we help
We help borrowers who were told “no”
If your income, employment, or financial situation does not fit a neat box, that is exactly where we specialize.
First-time homebuyers
Low down payment, step-by-step guidance
Self-employed borrowers
P&L, bank statements, 1099 income
Real estate investors
DSCR, portfolio loans, fast closings
Borrowers with complex income
Multiple streams, foreign income, assets
Homeowners looking to refinance
Lower rate, cash-out, debt consolidation
Why us
We close loans others can’t
No call centers. No runaround. Just direct access to people who know how to get it done.
Flexible loan solutions
5 specialized programs to match unique financial situations. If there is a way to qualify, we will find it.
Fast response times
You will hear back within hours, not days. Pre-approval letters issued in as fast as 24 hours.
Direct communication
Work with a real person who understands your scenario — not a chatbot or a call center.
Guidance from start to close
We walk you through every step. You will never wonder what happens next.
How it works
Four steps. That’s it.
Call or submit the form
Takes 2 minutes. No credit pull required.
We review your scenario
We analyze your income, credit, and goals.
Get matched with the right program
We find the best fit from our 5 loan programs.
Move toward closing
Clear timeline, direct communication, no surprises.
Real results
Clients who found a way
Real stories from real borrowers and agents we work with.
“They made the process simple and kept me updated the whole way through. I always knew where things stood.”
Alex M.
First-time buyer
“I am self-employed, and they found a loan option that actually worked for my income. Other lenders turned me away.”
Ani S.
Business owner
“Fast communication, clear expectations, and a smooth close for my client. I refer all my buyers here now.”
Brian K.
Real estate agent
For real estate agents
Your deals close. Period.
We know your commission depends on closing. That is why we communicate directly, move fast, and never leave you in the dark.
Pre-approval letters in as fast as 24 hours
So your clients can make competitive offers
Direct line to the loan officer
No call centers, no voicemail loops
Flexible programs for complex scenarios
Self-employed, investors, non-traditional income
Common questions
Straight answers
No jargon, no fine print games. Here is what you need to know.
It depends on the program. FHA loans can go as low as 580. Conventional loans typically require 620+. Our Non-QM programs work with a wider range of credit profiles. Call us and we will tell you exactly where you stand.
Absolutely. Our P&L loan program is built specifically for self-employed borrowers. Instead of traditional pay stubs and W-2s, we use your profit and loss statements to verify income. Many of our clients are business owners, freelancers, and 1099 contractors.
As little as 3% for Conventional loans and 3.5% for FHA. Some Non-QM programs require 10-20% depending on the scenario. We will walk you through the options that fit your budget.
Most of our loans close in 21 to 30 days from application. We move fast because we communicate directly with you — no call centers, no runaround.
For a quick pre-qualification, we just need your name, phone number, and a few details about your situation. We will tell you exactly what documents are needed once we identify the best program for you.
Yes. We partner closely with agents across California. We provide fast pre-approval letters, keep your clients updated, and communicate directly with you throughout the process. Your deals close on time.
Get started
Let’s talk about your options
Share a few details and we will call you back to discuss the best path forward. No obligation, no hard credit pull.
Ready to get started?
One call can change everything
Whether you were denied by another lender or just getting started, we are here to help you move forward.