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...
How High Net Worth Borrowers Are Using Jumbo Non-QM Loans
We work with many high-net worth clients in Southern California, many of whom have the liquidity and net worth to purchase luxury real estate, but conventional mortgage underwriting doesn’t always line up with their financial reality, that’s where non-qm loans...
Why Cash Flow Matters More Than Tax Returns: Understanding P&L and Bank Statement Loans for Luxury Properties
High-net-worth buyers in Southern California know that securing a luxury home in Beverly Hills, Laguna Niguel, or Palm Desert often requires flexibility that they simply can’t find in traditional mortgages. One of the biggest hurdles for entrepreneurs and...
How to Close Fast on a Luxury Home When Traditional Underwriting Would Slow You Down
For luxury homebuyers in Southern California — whether in Beverly Hills, Newport Beach, Laguna Niguel, or Palm Desert — we know that sometimes timing is everything. In a competitive market, waiting weeks or months for traditional underwriting can mean losing your...
Bank Statement Loans Explained: A Mortgage Solution for Entrepreneurs & Freelancers
If you’re self-employed, a freelancer, or a business owner in California, you’ve probably discovered that getting a mortgage isn’t going to be easy. Traditionally, lenders rely on W-2 income and tax returns, which often don’t reflect your true earnings after...
The Best Mortgage Options for Self-Employed Buyers in California
For many entrepreneurs, freelancers, and business owners, achieving the dream of homeownership can feel more complicated than it should. We know because we work with self-employed borrowers every day who are frustrated by the hurdles between them and homeownership....
Why Is It Hard for Self-Employed to Get a Mortgage? (And the Easiest Mortgage Options for Self-Employed Borrowers in Southern California)
If you’re self-employed and have tried applying for a home loan, you’ve probably asked yourself (either in curiosity or frustration): why is it hard for self-employed borrowers to get a mortgage? Many successful entrepreneurs, freelancers, and small business owners...
The $2.4M Irvine Jumbo Loan We Helped Our Clients Close on in 21 Days | Profit & Loss Mortgage Success Story
When it comes to financing luxury homes in Southern California, speed and expertise make all the difference. At Summit Lending, California mortgage expert Jackie Barikhan recently helped a self-employed healthcare professional secure a $2.4 million jumbo loan in...
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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.