Hi… it’s Jackie


I created my site to help California families make the best lending decision for their home today.

With over 20 years of expertise, we love helping people become homeowners! We have a wide array of loan products, but our specialty is in helping the self-employed borrower get a home loan using bank statements as income.

Our broad range of loan products ensures

something for everyone.


My Specialties

(click below for details)

Mortgages for Self-Employed

Mortgages for Self-Employed

GAME CHANGER! Bank Statements as Income

Stated Loans

Stated-Income Home Loans

Perfect for Investment Property Loans!

Jumbo mortgages and home loans

JUMBO Home Loans

Jumbo loan solutions at highly competitive rates

Investor Cash Flow

Investor Cash Flow

How to Use a Cash Flow Loan Instead of Tax Returns for Investment Property

Have you been denied a traditional loan? It’s OK… we know that self-employed people are ambitious & creative. Your compensation can be shown in many ways.  Jackie will show you the way to qualify without traditional income qualification standards.


     Give her a call at 949-600-0944 or visit www.talkwithJackie.com to set up an appointment to chat, that best fits your schedule.

Use one of our QUICK & EASY tools to find out what you qualify for!

Get Pre-Approved

No Hidden Fees - No Obligation - No Upfront Costs

See What Others Are Saying

See What Others Are Saying

Anna R & Vito L:

“Jackie helped us buy our first home! My husband and I are both entrepreneurs who work from home and we had been throwing money down the toilet for years because we just didn’t have the savings for our first home yet. Jackie helped us get approved for a 10% down jumbo loan that helped us buy our dream home! We now spend less now each month paying our mortgage than we did paying rent. So excited to be in the market FINALLY and building a home we can all our own. Thanks Jackie!”

Dr. Jay:

“Great. Very efficient. Very professional. Everything was done on time and as I was promised . I have been trying to refinance my mortgage for the past two years. I talked with the number of various ages and banks and no one could help me. I was referred to Jackie and within five weeks with a minimum effort on my part it was done. Thank you Jackie!”

Jessie B.:

“I did not expect someone who deals with numbers for a living to be so incredibly caring and intuitive! Jackie went above and beyond her savvy guidance and fast/efficient service by being the immensely amicable and good-hearted human being she is… She will be our mortgage guru for life!”

Al & Heather H.:

“Jackie, thanks for all that you have done. You made a very stressful time in my family’s life stress free. Needing to close our new home purchase in less than a month, having a vacation planned during the contingency period and closing early enough to move my daughter into our new home before she left for college 5 days later. All was business as usual for you. I have never been so satisfied with any real estate professional. You not only met all my expectations but exceeded them. Closing a loan in just over 3 weeks was exceptional. I have complete confidence in you and have recommended you to my fire department friends and family. Thanks for taking such good care of us.”

Karen and Eric:

“Pleasant, patient, persistent, and professional that’s how I’d describe Jackie Barikhan. Before Jackie took over our new home purchase file, another mortgage broker had been raking us over the coals for three months. Jackie got it done in one month and without the stress we’d been dealing with! Because we’d had such an awful experience before Jackie, we were riddled with lots of questions and fears. She dealt with us patiently and even talked to the seller well after hours to allay their fears about closing and keep us in escrow. There’s no one I’d trust more.”

Cups of Coffee

Average Days to Closing


Loan Programs

Years of Experience

Pages in Average Loan File

Check it out!

Upcoming Events, Contests, and News.

Coffee Mug Contest

Win a $100 Amazon Gift Card!

2023 My Lender Jackie Photo/Video Contest

I love a great cup of coffee, so that inspired my 2022 Photo Contest. Contact us to receive your free My Lender Jackie MUG, then upload/ submit/ post a picture or video of you, your kids, even your furry best friend using your My Lender Jackie Mug to ENTER. (see example of our recent Toy Poodle puppies… So cute right!)

Every quarter in 2023, a random entry will be drawn and will win a $100 Amazon Gift Card!

Submit your photos on Facebook – Twitter – Instagram to Enter USE #mylenderjackiecontest2022

Flash poll: you discover a drug you rushed to market causes long term immune system changes and is associated with a huge rise in deaths. Lucky you, so many people got it that proving causation will be difficult. (Side note: you made $100 billion from it, yay!)

Do you:


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Coffee Mug Contest

7 Things to Avoid After Applying for a Mortgage

7 Things to Avoid After Applying for a Mortgage - "Congratulations, you were pre-approved for your mortgage!" This exciting message likely comes with a sigh of relief, and allows you to enter escrow on that home you are thrilled to buy. There are a few things you...

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Why Does Debt-to-Income Ratio Matter?

Why Does Debt-to-Income Ratio Matter?

Why Does Debt-to-Income Ratio Matter? There are multiple metrics lenders use to determine someone's ability to repay a mortgage, as well as how much debt they are able to take on. The more you understand the mortgage approval process and what your lender is looking...

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What Do Lenders Want to See from a Self-Employed Borrower?

What Do Lenders Want to See from a Self-Employed Borrower?

What Do Lenders Want to See from a Self-Employed Borrower? - Are you a self-employed borrower hoping to buy a home in the new year? Qualifying for a mortgage without traditional proof of employment and income may sound scary, but when you work with a lender who...

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Should You Refinance in 2023?

Should You Refinance in 2023?

Should You Refinance in 2023? - The refinancing storm of the past few years has calmed down significantly as the FED has raised the federal funds rate, but that doesn't mean your opportunity to refinance has necessarily passed. There are still some people who would...

read more

Jackie Barikhan

Welcome to my Blog!

Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.


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