Breaking the W-2 Myth: Modern Income, Modern Mortgages

by mylenderjackie | Jan 14, 2026 | Loan Programs

For many high-income earners, the traditional mortgage process can feel like a square peg in a round hole. We live in a world where many of the most successful people we work with don’t have a traditional income source, or they have multiple streams of income...

Why Non-QM Loans Are the Hidden Shortcut for Entrepreneurs Who Want to Buy in 2026

by mylenderjackie | Jan 9, 2026 | Loan Programs

If you’re self-employed, run a business, or earn income from multiple streams, you already know how complicated financial documentation can be, this is where non-qm loans come in. For entrepreneurs in Southern California, some financial goals feel out of reach because...

How to Prepare Financially for a Non-QM Luxury Home Purchase in 2026

by mylenderjackie | Dec 23, 2025 | Loan Programs

If you’re planning to purchase a luxury home in Southern California in 2026, early financial preparation can make the difference between a smooth closing and unnecessary stress. For high-net-worth buyers using Non-QM (non-qualified mortgage) financing, preparation...

How High-Net-Worth Buyers Use Non-QM Loans to Keep Cash Invested

by mylenderjackie | Dec 15, 2025 | Loan Programs

For high-net-worth buyers in Southern California, purchasing a luxury home is rarely about whether they can afford it — it’s about how to finance it strategically. Increasingly, affluent buyers are turning to non-QM loans not out of necessity, but as a deliberate...

The Rise of Non-QM Loans: Why More Southern California Buyers Are Choosing Alternative Financing in 2025

by mylenderjackie | Dec 11, 2025 | Loan Programs

For decades, we’ve been finding financing solutions for homebuyers in Southern California, and that means we can identify the trends in the mortgage world. Southern California buyers—from Orange County to San Diego, Los Angeles to the Inland Empire—are...

What is an 80-10-10 Loan?

by mylenderjackie | Dec 9, 2025 | Loan Programs

If you don’t have 20% down but want to avoid paying private mortgage insurance (PMI), an 80-10-10 loan may be the right strategy. Also known as a piggyback or combination loan, it involves three parts: 80% first mortgage 10% second mortgage (home equity loan or HELOC)...