Why Choose
Prosperity Lending

We know what it takes to get real estate loans funded, and we go the extra mile for our clients:

• Excellent rates for self-employed professionals, business owners & HNW individuals

• Competitive broker fees—to provide top-rate service, our fees are a fraction above the average mortgage broker, but well below those of most self-employed mortgage specialists

• Track record of getting loans done for borrowers who were previously denied elsewhere

• Sophisticated, custom-tailored loan products with no tax returns needed (up to $7.5M)

• We routinely handle highly complex loan scenarios on residential properties, business-purpose residential properties, investment properties and small commercial properties

• Established relationships with our network of specialized lenders

• We offer almost every type of mortgage loan and refinancing a business owner could need—including home loans, seconds, reverse mortgages, mortgages on long- and short-term rentals, fix and flip loans, and small commercial loans for when you are ready to buy an office, warehouse or studio, etc. Ask us for details.

• Detailed in-house preflighting with no harm to your credit score—before you apply

• Effective, detailed guidance in improving your credit score as part of your loan application, so you can get the lowest interest rate on your loan

• Complete transparency about rates, fees, costs, loan terms and the loan process itself

• Minimal time wasted in bureaucratic paperwork, thanks to our custom loan process tailored to busy self-employed borrowers

• For California properties, we provide licensed assistance in solving real estate problems, real estate investment advice and property rescue services for individual properties, when needed for your transaction

• Evening and weekend hours available

• Service in Spanish available

• Free, no-obligation brainstorming consultations about properties, loan scenarios, costs, rates, qualifications and possibilities—even when you are not yet ready to buy

• No commitment—there is never a commitment on any loan until you sign the final loan papers

• While we specialize in self-employed borrowers, we welcome anyone to apply who would like to take advantage of our personal service, believes that they have a complicated situation and/or would like a second opinion after having been previously rejected by another lender or broker

“With traditional lenders the process stalled, but with Alejandro he found a way to get the loan done.””

— Rex, Client