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...
Buying a luxury home in Southern California as a self-employed individual can feel like navigating a maze. The traditional mortgage application process relies on tax returns and W-2s, documents that don’t always reflect your true income when you’re a business...
If you’re self-employed or run your own business, you’ve probably wondered whether your profit and loss (P&L) statement can be used in place of a W-2 when applying for a mortgage. We know that for some business owners, this is a better representation of...
If you’re considering buying a home or refinancing in 2025—especially in high-cost markets like Huntington Beach, Newport Beach, Irvine, Laguna Beach, Manhattan Beach, or Malibu—you already know this isn’t your average lending environment. Whether you’re a...
Mortgage FAQs During a Divorce – If you are in the middle of the divorce process, you may be wondering how this will affect your mortgage options. In this challenging transitional period, we are here to help. To speak with a loan officer about refinancing,...
Buying a home is a dream that may feel out of reach if your income fluctuates dramatically or is greatly affected by seasonality. You may assume you won’t be able to qualify for a mortgage without the traditional income verification most lenders require, but we...