Cash flow tells the real story
Bank statement loans. Self-employed income reviewed through 12-24 months of deposits.
Qualify Without Tax ReturnsMy Lender Jackie · Huntington Beach · Serving California
Business Owners Qualify Differently
Cash flow tells the real story. Jackie helps self-employed professionals, investors, and high-net-worth borrowers finance California homes when a tax return understates the business.
Work with Jackie on jumbo and bank statement loans, plus asset-based, DSCR, refinance, and cash-out paths matched to how you actually earn.
No pressure. Just expert guidance.
- 20+ yearsmortgage experience
- $500M+in closed loans
- 200+five-star reviews
Who we serve:
- Business Owners
- Entrepreneurs
- Physicians
- Dentists
- Attorneys
- Investors
- Professional Athletes
- Entertainment Industry
- Tech Executives
- Contractors
- Builders
- Realtors
- High Net Worth Families
Summit Lending · Company NMLS #339255 · Jackie Barikhan NMLS #914312 · DRE #01962240. Programs, rates, and approvals are subject to borrower qualification and lender guidelines.
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What are you looking to do?
Start with your goal, not a menu of mortgage jargon. Each path leads to the programs, and the strategy, built for it.
Buy a Luxury Home
Jumbo and super-jumbo purchase financing across California, from 10% down.
Explore jumbo financingAccess Home Equity (Cash-Out)
Review cash-out and second mortgage strategies with alternative documentation options.
See my equity optionsRefinance My Mortgage
Compare rate, term, and cash-out refinance paths across every program.
Explore refinance optionsI'm Self-Employed
Bank statement and stated income programs for business owners and 1099 earners.
Qualify without tax returnsInvestor / DSCR Loan
Investment property financing qualified on rental income, not your tax returns.
View investor optionsQualify Using My Assets
Asset-based mortgage strategies for retirees, investors, and high-net-worth households.
Explore assets as income
$500M+
Funded
20+
Years experience
200+
Five-star reviews
California
Statewide service
As cited in
As heard on & featured in
KFI AM 640Los Angeles radio
KNX 1070 / 97.1 FMSouthern California news radio
National Law ReviewPublished closings
Access NewswirePress coverage
Loan programs
One clear action per program. Every path starts with a real conversation about your goals.
Unlock the wealth in your home
Cash-out refinance and second mortgages, including alternative documentation options.
See My Equity OptionsThe house matches the business
Jumbo loans. High-balance purchase and refinance for California luxury markets.
Explore Jumbo OptionsCash flow wins
DSCR investor loans. Qualify on rental income, not personal tax returns.
View Investor OptionsHow it works
Apply or schedule a consultation
Start with a direct conversation, by phone or calendar. Jackie answers, not a call center.
Review custom loan options
Compare jumbo, bank statement, DSCR, and alt-doc paths matched to your goals and documentation.
Choose your financing strategy
Move forward with clear next steps, weekly status updates, and expert guidance to closing.
Recent Closings
Recent published closings include an $8M Orchard Hills Irvine purchase (1031 plus bank statements), a $2.1M Huntington Beach purchase in three weeks on a P&L, and a Hollywood purchase on assets as income in 17 days.
What clients are saying
Jackie helped us get approved for a 10% down jumbo loan and buy our dream home. We now spend less on our mortgage than we did on rent.
After critical delays with a major lending institution fourteen days into escrow, we shifted our file to Jackie. Her team stabilized the loan, kept every deadline, and closed on time. We highly commend Jackie and her team for their efficiency and professional excellence.
Closing in just over three weeks was exceptional. I have complete confidence in Jackie and have recommended her to friends and family.
Have a mortgage question?
We're here to help, no strings attached. Ask Jackie anything about your scenario.
Ask a Mortgage QuestionCommon questions, straight answers
Can I really get a mortgage without tax returns?
Yes. Bank statement, P&L, asset-based, and DSCR programs document your ability to repay using bank deposits, business financials, assets, or rental income instead of tax returns. These are fully underwritten loans, just measured against the way self-employed income actually works. Start with bank statement loans.
What makes a loan "jumbo" in California?
Any loan above the conforming loan limit for your county is a jumbo loan. In California's high-cost coastal counties that threshold is higher than the national baseline, and many luxury purchases exceed it. See jumbo loan options and our 2026 California loan limit guide.
I was denied by my bank. Does that mean I can't qualify?
Not at all. Banks typically offer a narrow menu of conventional products. As a broker with direct lending capability, Jackie matches your file to lenders whose guidelines fit your income structure, many of her published closings came after other lenders said no. See real examples.
How fast can a loan close?
Timelines depend on the program, appraisal, and documentation, but well-prepared files routinely close in three to four weeks, and Jackie has closed complex purchases in as few as 17 days when the timeline demanded it.
Let's Build Your Mortgage Strategy
One conversation is usually all it takes to know which path fits. No pressure. Just expert guidance.