Primary Home Mortgage

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.

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 we use the right loan program and intelligent structuring that is geared to self-employed professionals. This approach is unknown to most loan officers, and you will not find it at mainstream banks.

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 $10M.

Each mortgage program is customized to the client’s needs. Because we deal with so many unique clients, we are experienced with complex loan scenarios.

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)

• Loan programs for foreign nationals

• Flexible loan modules uniquely tailored to your goals and needs

Why getting a mortgage or refinance as a business owner is 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 do not always reflect their full financial picture. The most difficult part is documenting income.

Some lenders also consider self-employed professionals to be more “risky” borrowers. This is not necessarily logical; well-established entrepreneurs show great resilience and adaptability to changing markets and economic volatility.

We partner with specialized lenders who cater specifically 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 the mortgage programs offered by lenders are continually updated 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