The mortgage your bank said no to?
We’ll find a way.
Los Angeles mortgage broker · California-wide lending
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.
VA Loans
0% downEarned by service. Built for veterans.
Zero down payment options for active-duty service members, veterans, and eligible surviving spouses. No PMI required.
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
Borrowers we love working with
Whatever your scenario, you’ll work with people who return calls in hours, give you straight answers, and treat your timeline like it matters — because it does.
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
6 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 6 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
First-time buyer · Glendale, CA
“I am self-employed, and they found a loan option that actually worked for my income. Other lenders turned me away.”
Ani
Business owner · Pasadena, CA
“Fast communication, clear expectations, and a smooth close for my client. I refer all my buyers here now.”
Brian
Real estate agent · Burbank, CA
“We closed in 16 days on a competitive offer. The team treated my deal like it was the only one on their desk.”
Marcus
Move-up buyer · Long Beach, CA
“I had been told 'no' three times before finding them. Bank statement loan approved, no W-2s, no headache.”
Priya
Restaurant owner · Irvine, CA
“Refinanced and pulled cash out for a remodel. Saved over $400 a month and the appraisal came in higher than expected.”
Daniel
Homeowner · Sacramento, CA
“VA loan with zero down on a beautiful first home for my family. They walked me through every step of the benefit.”
Jasmine
Veteran · San Diego, CA
“Two years of bank statements and we got the deal done. Other lenders kept asking for tax returns I do not file like a W-2 employee.”
Trevor
Contractor · Riverside, CA
“DSCR loan on my third rental property. The numbers worked, the paperwork was simple, and the rate was better than I expected.”
Sophia
Real estate investor · Orange County, CA
“Honestly the easiest mortgage I have ever closed. They answered every text within minutes, even on weekends.”
Diego
First-time buyer · Bakersfield, CA
“I was nervous about the jumbo, but they laid out three structures and explained the trade-offs clearly. Confident decision.”
Eleanor
Physician · Palo Alto, CA
“Closed on my client's tough file when two other brokers gave up. They are now my first call on every deal.”
Ryan
Real estate broker · Los Angeles, CA
“FHA with credit challenges felt impossible. They paired me with the right program and helped me qualify in under three weeks.”
Latoya
Nurse · Inland Empire, CA
“Bought our forever home in Ventura with a 5/6 ARM that fit our timeline perfectly. Smart advice on the rate structure.”
Kevin
Homeowner · Ventura, CA
“Self-employed for nine years and finally a lender who actually understood my P&L. No drama, no surprise conditions.”
Hannah
Marketing consultant · Santa Monica, CA
“ITIN loan approved when my bank refused to even open a file. Now I am a homeowner. I will never forget it.”
Carlos
Small business owner · Fresno, CA
“Switched to them mid-escrow after my last lender stalled out. They closed on time with three days to spare.”
Olivia
Move-up buyer · San Jose, CA
“Cash-out refi on a duplex to fund my next investment. Clear math, transparent fees, no last-minute changes.”
Anthony
Investor · Anaheim, CA
“First call I make on every offer is to get pre-approval refreshed. My listings hit the table with credibility because of them.”
Mia
Real estate agent · Beverly Hills, CA
“Recently retired and needed an asset-depletion loan. They found a program that respected my actual financial picture.”
Robert
Retiree · La Jolla, CA
“Closed in 19 days on a non-QM loan. The communication was so good I always knew exactly what was next.”
Grace
Tech professional · Mountain View, CA
“Conventional refi shaved over a point off my rate and locked in before the next move. Beautifully timed.”
Nathan
Engineer · Oakland, CA
“Bridge loan let us buy the new house before selling the old one. Stress-free move and no contingency drama.”
Rebecca
Move-up buyer · Encinitas, CA
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.