If you’ve struggled with income documentation or have been denied by other lenders, we will work with you to obtain financing using bank statements as INCOME.

NO Tax Returns Required – Bank Statements are the new STATED Income Loans

Proudly Serving all of California

Call Anytime:
Mobile: (949) 600-0944


No 1099’s No P&L’s No K1’s

Buy or refinance up to 90% loan to Value/ 10% down

Loan Amounts up to $3,000,000

NO Mortgage Insurance

Why Jackie Barikhan at
Summit Lending?

Jackie is a California-based, award-winning mortgage professional with over 100 5-star ratings. Committed to excellent strategies and out-of-the-box thinking. Mortgage lending is all I do, all day, every day! I’m here to help you in every way!

Call today for a FREE consultation – (949) 600-0944 or book a time to chat HERE

Home Loans for Self-Employed Borrowers

If you’re like many of the business owners we work with ie: Doctors, Attorneys, Contractors, R/E Agents, Small Business Owners, you maximize your business expenses & deductions on your tax return.

That totally makes sense!

We understand your financial profile is different from borrowers who earn a salary. Because our bank statement program is different, it allows you to qualify based on 12-24 month average of deposits.

So now you have the opportunity to get a home loan, regardless of your write-offs.

Call My Lender Jackie  (949) 600-0944


  • We only handle loans in California – which makes me your go-to expert!
  • We can use either personal or business bank statements to qualify
  • No tax returns or W2s needed
  • Competitive rates –  This is NOT Hard Money
  • Fast funding – typically 3 weeks or less
  • Past credit issues may be OK

Bank Statement Loans are the Better Way to Qualify!

Let’s face it, if you are self-employed and you have a decent tax person, they want to maximize your deductions.

Using our bank statement loan and your bank deposits (Personal or Business account) will give you the most amount of income you need to purchase a home or get the cash out you need for business.

Our programs are flexible and allow you to use up to 90% loan to Value/ 10% down (purchases) Also, because they don’t follow government guidelines and use a more common sense approach,  will even consider lending with credit challenges IE: past BK, Short Sales, and foreclosure.

Call My Lender Jackie  (949) 600-0944

About Jackie

About Jackie

Mortgage Broker with Summit Lending

Cell: (949) 600-0944
NMLS: 914312
BRE: 01962240

Mortgage financing can be complicated. My expert team will make sure everything is transparent and painless as possible, so you can move into your new home,  or get the cash out you need with minimal stress. I LOVE what I do! There is no greater privilege than to help families secure their future home or help make a dramatic impact on a family’s budget by helping them save on their mortgage payment.

Check Out My Reviews

Serving the entire State of California.

Nationally Licensed Mortgage Advisor:
NMLS# 914312
BRE# 01962240

My Lender Jackie
15183 Springdale 
Huntington Beach, CA 92649

I am thoroughly impressed and grateful to have worked with Jackie and her team! I really admire the can-do, positive attitude that Jackie had throughout this year-long process of us searching for a house, and when we finally found it, the very long escrow process. She answered all of our questions, helped us stayed on top of our finances and documents, and send us helpful reports so that we can make the right choice in choosing our home. Jackie has a wealth of knowledge (and patience!) that was invaluable in analyzing properties and loan products that best fit our needs. We went through so many scenarios of different properties and financing options and qualifying criteria, etc., our file was probably the largest anyone has ever seen but Jackie was able to sort through it all and finally get us to close on our loan. Daniel and I are eternally grateful to Jackie for helping us start our real estate investing careers! It is truly a dream come true 🙂

Wei Cho