Self Employed but cannot qualify for a mortgage? We are here to help! We offer a number of bank statement programs where we calculate your actual income before your deductions to the IRS. Sound appealing? Give us a call and we can take you through the process. 


We love working with independent business owners and understand their needs primarily because we are independently employed just like you are.

  • Loan amounts up to $3M

  • Use 12 or 24 month bank statements or asset depletion to qualify

  • No tax transcripts or tax returns required

  • DTI up to 50%, 620 min. FICO

  • 4+ years major derogatory credit

  • $1.25M cash out at 80% LTV, $1M cash in hand

  • Up to 15 financed properties

  • Fixed 30; ARM 5/1, 7/1, 10/1 – all with optional Interest Only

  • 90% LTV Purchase/Rate & Term – No MI                                                                                      Plus
    • Loan amounts up to $1M
    • 2-4 years major derogatory credit

  • • 85% LTV Purchase/Rate & Term - No MI


We understand the unique needs self- employed individuals have when it comes to financing a home.

This program allows self-employed individuals to use 12 or 24 months’ personal or business bank statements or asset based income to support their income in qualifying for a mortgage.

First time homebuyers and seasoned homeowners alike are eligible to finance or refinance a new home, second home, or investment property with this program.


                                            Debra Markovich

                                                        (858) 245-4290




                                                                              NMLS: 241969   CA BRE:01358613  





This is not a commitment to lend. Restrictions apply as to LTV and credit score. Rates and terms are subject to change without notice. Terms based on loan program guidelines and APR. The credit may not be extended if we find that you do not meet the criteria used to select you for this offer. The products displayed are based upon customers who have not been late on any other mortgage payments, been discharged in bankruptcy or have been subject to foreclosure. APR based on specific loan amount posted. Program savings available upon confirmed qualifications. National Mortgage Licensing System #236669. Arbor Financial Group License #0185041. Call for details.