Primary Home Mortgage

Do you have a complicated financial situation or have you been rejected by your bank or previous mortgage broker? No problem!

At Prosperity Lending, we specialize in mortgages and refinancing for business owners and self-employed professionals. This means that we routinely deal with borrowers who have complex financial income patterns.

This can be confusing to most mainstream lenders. More often than not, clients come to us after they have been told “no” by someone else.

When we look into their situation during a free second opinion consultation, we usually find that they are perfectly qualified when using the right loan program and intelligent structuring geared to self-employed professionals.

Call now for a free, non-obligatory consultation at 310-294-9417, or self-schedule an appointment online. I will give you helpful advice right away, and answer any questions you may have.

Mortgage features

We provide home mortgages for loan amounts between $250K and $22M. Each mortgage program is customized to the client’s needs.

Mortgage features we offer include:

• Bank statement loans (no tax return needed)

• Tax return loans (when feasible)

• Certified Profit & Loss based loans (no tax returns needed, minimum documentation)

• Asset-based loans (no tax returns needed, minimum documentation)

• Interest-only loans

• 40-year fixed-rate loans

• Adjustable-rate mortgages for real estate investment purposes (only recommended in specific cases)

Why getting a mortgage or refinance as a business owner can seem more difficult

Business owners and self-employed professionals tend to have unique income and expense patterns. These are not easily understood by the computerized processes and algorithms favored by today’s mainstream lending industry.

Additionally, because business owners have many deductible expenses, their tax returns often do not reflect their full financial picture. This makes it more challenging to prove your income to mainstream lenders.

Some lenders also consider self-employed professionals to be more “risky” borrowers, even though this is not necessarily the case.

We partner with specialized lenders who cater to self-employed borrowers. We have established relationships and know exactly which lenders and programs to use for different situations and different borrower types. We continually update our industry knowledge and connections, as lenders frequently update their mortgage programs in tandem with the changing economic landscape.

“Alejandro was willing to work with us, give us a plan to get what we wanted, and because of that, we are now moved into a home we love!”

—Shannon, Client