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For many homebuyers, especially those who lived through the 2008 housing crisis, the term “non-QM loan” can sound risky. It echoes memories of the subprime loans that contributed to the housing bubble and financial collapse. But here’s the truth: today’s non-QM loans...
The Entrepreneur’s Guide to Qualifying for a Mortgage Without a Traditional W-2
Being an entrepreneur and owning a business comes with incredible freedom — but when it comes time to buy a home, that independence can make things complicated. Traditional lenders rely heavily on W-2 income and pay stubs, leaving many self-employed buyers in Southern...
Watch Out for These Myths About Buying a Luxury Home as a Small Business Owner
If you're ready to buy a luxury home in Southern California as a small business owner, you may be feeling concerned or frustrated by the way most mortgage lending is tailored toward a W-2 employee. Some small business owners assume they won't be able to qualify...
Common Mistakes Luxury Homebuyers Make in Southern California When Applying for Jumbo Loans
Every day, we work with small business owners, foreign nationals, real estate investors, and other motivated buyers looking to finance a purchase of luxury Southern California real estate. Whether for your personal use or an income property, buying a high-end property...
Down Payment FAQs for Self-Employed Homebuyers in Southern California
Buying a home while running your own business adds extra moving parts—especially in Southern California where home prices, lender expectations, and cash-reserve requirements can be higher. After so many years helping our self-employed clients access the financing they...