What We Do

Prosperity Lending is an independent mortgage brokerage for business owners and self-employed professionals. Many of our clients come to us after having first been rejected elsewhere, even though they make excellent income and can easily afford mortgage payments. We often succeed in helping them get the loan they needed.

We have relationships with specialized lenders who cater to self-employed borrowers and are happy to provide great loans at competitive rates. In addition, we provide first-class customer service, such as by minimizing paperwork and providing evening and weekend hours.

What we offer

• Home mortgages from $250K to $22M

• Small balance commercial real estate loans ($250K - $5M), including office buildings, warehouses, artist studios, etc.

• Refinancing, second mortgages, Home Equity Lines of Credit (HELOCs), reverse mortgages, loans for rental properties, fix and flip loans, and much more!

• Seven different ways to qualify other than W2 income: including bank statements, assets, profit & loss of your business, and (projected) rental income on properties you’re looking to buy

• Brainstorming about possibilities; you can call us any time to receive advice about your options, even if you’re not yet ready to act

• Meticulous in-house preflighting that doesn’t affect your credit score

• Evening and weekend hours

• Clear explanations and detailed transparency about rates, terms and fees; we will answer all your questions to whatever level of detail you wish

• No rejections—we will help as long as it takes for you to qualify

Friendly, personal service

Lending is not just about dry numbers. Finance (the provision of loans) is based on agreements. The information presented in a mortgage application, and how it is presented makes a big difference. Also, whom the information is presented to matters a great deal.

As a mortgage broker, we are like a mediator between yourself and the world of lenders, and we also act as an advisor to you. First, we listen to your financial situation in detail. Then we present mortgage solutions that make sense for you. Thanks to our in-depth knowledge of lending programs for self-employed professionals, we can often help clients even if they have previously been turned down elsewhere. As part of our top customer service commitment, we have evening and weekend hours available for established clients.

Know before you go with free in-house preflighting

Submitting a mortgage application has a negative impact on your credit score, so we only do this once we are convinced that it will get approved. 

Before we submit a loan application, we run your financial details through our proprietary in-house preflighting process. With your authorization, we also get a copy of your credit report in a manner that does not affect your credit score or credit report in any way.

If something comes up that needs to be handled, we help you fix it first and only then submit the application. We can never guarantee a lender’s ultimate approval, but we have an excellent record: in the past two years, we have had a 97 percent approval of loan applications submitted to lenders.

Learn more about the different stages of the mortgage process, and what you can expect as a borrower.

All-around real estate advice when needed

In California, we are not just a mortgage broker, we are also a real estate broker. Before focusing full-time on real estate finance, Alejandro spent 10 years as a real estate agent in commercial real estate, leasing, and luxury homes on the West Side of Los Angeles.

As a result, Alejandro can give you advice on home pricing, resolving problem with title, tenants, conflicts between owners, and a wide variety of issues that might otherwise get in the way of a perfectly good deal. When needed, he also provides referrals within his network of trusted real estate lawyers and accountants.

“He always delivered in abundance to me. He made up very time-consuming spreadsheets on the house loans and refinancings. And he was a pleasure to work with.”

— Janice, Client