Self-Employed

Home Loans

Qualify using Bank Statements, Profit Loss Statement or rental income.
Programs starting at 3.5% down.
Fast approvals.

Low 3.5% Down Payment

Lowest down payment for self-employed home loan.

No Tax Returns

Write-off too much to qualify for a home loan? Get a home loan without showing your tax returns.

Simple Qualification

We make it simple. 640 minimum FICO, 2 full calendar years in business.

Qualify with Profit Loss on FHA home loan with 3.5% down

Traditional lenders say no. Your bank doesn't even know this program exists. Qualifications are simple and easy.

P&L FHA Purchase Loans with 3.5% down

Qualify with 2-years Profit Loss statements (self-prepared) as income. *Best Option*

Bank Statement Loans

Qualify with the average of 12 months deposits into your business account as income.

Investor Flex Loan

Purchase investment properties with 25% or more down, and qualify with the subject properties rental income.

With over a decade helping entrepreneurs, business owners, and investors secure the financing they thought was impossible, we specialize in mortgage programs designed for self-employed buyers. Whether it’s using bank statements, profit & loss statements, DSCR rental income, or FHA programs with just 3.5% down, we help clients turn “I can’t qualify” into “I’m approved.”

We know the challenges of running a business and navigating the complexities of self-employed income. Our goal is simple: make the mortgage process fast, transparent, and achievable for every self-employed borrower.

Jorge Antonio Murillo

Broker Owner – Self-Employed Mortgage Specialist

Financing that breaks barriers. Empower your homeownership journey online.

Delivering personalized, dynamic mortgage solutions that engage clients and drive real results.

Inspiring Homeownership Journeys

From tailored mortgage solutions to seamless experiences, we bring your homebuying process to life. We create with care, guide with expertise, and deliver with confidence.

Meet Our Broker

Broker Owner

Jorge Antonio Murillo

858-531-6069

San Diego, CA 92108

[email protected]

Start Your Homeownership Journey

Frequently Asked Questions

Got questions? Here are answers to common queries before starting your home loan journey with us.

What types of loans do you offer?

We specialize in a range of mortgage options including fixed-rate, adjustable-rate, FHA, and VA loans to help you find the best solution for your needs.

How long does the mortgage approval process take?

The process typically takes between 30 to 45 days, depending on the type of loan and individual circumstances. We ensure a smooth and timely experience.

Will my loan application be optimized for the best rate?

Yes, we work with you to secure the most competitive rates based on your financial profile and the type of mortgage you're applying for.

Can you help with refinancing existing loans?

Absolutely! We offer refinancing options to help you reduce your monthly payments or secure a lower interest rate.

Do you provide ongoing support after the loan is approved?

Yes, our team offers continuous support throughout the life of your loan, ensuring you’re informed about your mortgage and any potential opportunities for improvement.

What do I need to provide to get started?

To begin, we’ll need basic financial information such as proof of income, credit history, and identification. Our team will guide you through the required documentation.