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...
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...
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...
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...
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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.