Creative California Jumbo Loan Solution – $8M Mortgage Closed Fast | Jackie Barikhan
California Jumbo Loan Success: $8 Million Mortgage Closed Fast How jumbo loan expert Jackie Barikhan at Summit Lending helped a self-employed buyer secure financing for an $8M California luxury home When a high-net-worth entrepreneur set out to purchase an $8 million...
How We Helped Our High-Net Worth Self-Employed Borrower Secure a Luxury Irvine Property
Many times over the years we have helped high-net worth clients achieve their goals with real estate, buying properties they thought may be out of reach because of their unique income structure or needs. Let’s walk through a recent success story with one of our...
What I Wish More Buyers Knew About Jumbo Loans Before Shopping for Luxury Real Estate
If you’re eyeing a high-end property in Malibu or a luxury home in Orange County, chances are you’ll need a jumbo loan, and navigating this kind of mortgage is a lot different than a conventional one. As a mortgage professional who’s worked closely with...
How Top Real Estate Investors Use Cash Flow Loans Without W-2s
Real estate investing doesn’t have to follow a traditional path. In fact, some of the most successful investors today are growing their portfolios rapidly without ever providing a W-2 or pursuing a conventional mortgage. How? They’re using Cash Flow...
How Self-Employed Buyers Can Qualify for Luxury Mortgages in Southern California
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...
Can I Use My Profit & Loss Statement Instead of a W-2?
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...
Why Financing a Luxury Home Might Be Smarter Than Paying Cash, Even If You Can Afford It
When high-net-worth individuals look to purchase a luxury home in Southern California, many assume the smartest option is to pay in cash. After all, if you have the liquidity, why take on debt? Choosing the best option is nuanced. As mortgage professionals with many...
DSCR: What They Are, and Why High-Net Worth Investors Use Them
When our high-net-worth clients invest in Southern California income properties, they often prioritize strategic financing that preserves liquidity, offers tax efficiency, and scales with their long-term wealth goals. One powerful but underutilized tool is the DSCR...
Luxury Mortgage Pre-Approval in Southern California: How It Works for Million-Dollar Properties
Thinking about buying a luxury home in Southern California? Before you book a showing for that $3M ocean-view villa in Santa Monica, you’ll want to get a pre-approval for a luxury mortgage. The process is similar to a standard loan, but when you’re dealing with a...
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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.