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...
Jumbo Loans Without W-2s: Buying a Luxury Home in Southern California
Southern California’s luxury real estate market is one of the most competitive and desirable in the world. From Malibu beachfront estates to Beverly Hills mansions and Orange County villas, buyers often need jumbo loans to finance these high-value properties. So what...
Self-Employed Home Loan Options: Mortgages Without Tax Returns
If you’re self-employed and looking to buy a home, you’ve probably already discovered how challenging it can be to qualify for a traditional mortgage. Standard lenders often rely heavily on W-2s and tax returns to verify income, and in many cases that just...
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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.