Call Brad (619) 508-8322
Complex Mortgage Scenarios? Let's find a Solution
20+ years helping Realtors and borrowers solve complex mortgage challenges.
Mortgage Guidance Built Around Your Needs
Every borrower has a different financial story. I work with homebuyers, homeowners, real estate investors, and Realtors to explore mortgage options that fit their goals—even when the financing isn't straightforward.
With more than 20 years of experience and over 2,000 loans closed, I bring personal attention, thoughtful loan structuring, and access to a broad range of mortgage programs to help you understand your options and move forward with confidence.
Self-Employed Borrowers
Your tax returns may not tell the whole story. Explore mortgage options that consider eligible alternative income documentation and your broader financial picture.
Explore Self-Employed Financing
Real Estate Investors
Whether you're purchasing or refinancing an investment property, explore financing options designed around rental income, property equity, and your investment goals.
Realtors: A Financing Partner
When a buyer's financing gets complicated, let's work together to explore solutions, structure the loan, and help keep the transaction moving. See How I Help Realtors
Recent Case Study
When Tax Returns Don't Tell the Whole Story
A successful business owner with more than 50 employees across multiple states struggled to qualify for a mortgage because business deductions and existing debt obligations affected conventional income calculations.
The approach: We reviewed 12 months of business bank statements and applied an eligible 50% expense ratio under the selected Non-QM program.
The result: The revised income calculation brought the borrower's debt-to-income ratio below 50%, and the loan closed in 26 days.
The takeaway: Before assuming a self-employed buyer cannot qualify, let's review the complete financial picture. The right documentation and loan structure may reveal options that conventional underwriting doesn't.