Home Financing

Home Loans

Whether you’re purchasing your first home, refinancing an existing mortgage, or putting your home equity to work, we offer loan programs for both traditional and non-traditional borrowers.

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Six Programs

Home Loan Programs

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HELOC Express (Second Lien)

Access your home’s equity without refinancing your first mortgage. Borrow up to 95% CLTV for qualified borrowers.

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No Income Verification (California)

No income verification, no debt-to-income calculation and no employment verification, for qualified borrowers with strong equity, credit, and assets.

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1099 Income Loan Program

For independent contractors and self-employed borrowers. Qualify using your 1099 income and recent bank statements.

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12-Month Bank Statement Loans

Qualify using 12 months of personal or business bank statements instead of tax returns.

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Profit & Loss (P&L) Loan Program

Qualify using a professionally prepared Profit & Loss statement instead of tax return income.

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Conventional Mortgage Loans

Competitive rates and flexible terms for borrowers with established credit and stable income.

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For the Self‑Employed

Self-Employed? Compare Your Options

Program Qualify with Minimum FICO Maximum LTV
1099 Income One year of 1099s and two months of bank statements 600 Up to 80%
12-Month Bank Statement 12 months of personal or business bank statements 600 Up to 90% for purchases
Profit & Loss A 12-month P&L statement and three months of bank statements 660 Up to 80% for purchases
No Income Verification (CA) Strong equity, credit, and assets 620 Up to 60% for purchases

Ready to Find Your Home Loan?

Tell us about your goals and we’ll recommend the loan program that’s right for you.

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Or call Nancy Sacks directly: 949-449-1242