Primary Mortgages for Business Owners & Self-Employed Professionals

Been rejected by your bank or previous mortgage broker? No problem!

At Prosperity Lending, we specialize in mortgages and refinancing for business owners, artists and self-employed professionals.

More often than not, clients come to us after they have been told “no” by someone else. They were told they didn’t qualify, or that they only qualified for a low amount that is not enough to get them the home they want in the area where they live.

When we look into their situation during a free second opinion consultation, we usually find that they DO qualify when we use the right program and some 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 mortgages and refinancing for self-employed borrowers, for loan amounts between $250K and $10M.

Each mortgage program is customized to your needs. We don’t shy away from complex loan scenarios.

Mortgage features that are available include:

• Bank statement loans (no tax return needed)

• Certified Profit & Loss based loans

• Asset-based loans

• 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; our loan programs often have different modules that can be uniquely tailored to your goals and needs

All of our mortgages include:

• Honest advice, we will listen to your situation and goals and recommend the best mortgage options for you

• Meticulous pre-qualification (that doesn’t affect your credit score), BEFORE submitting your loan application

• Minimal hassle; we know that you are busy and work behind the scenes to take care of everything we can, only bothering you for what is absolutely necessary

• Transparency; complete transparency about costs and fees; we will answer all your questions to whatever level of detail you wish

• Digital document signing

• Loans can be done remotely over the phone or by Zoom

• No rejections, we will help you prepare until you qualify

Why getting a mortgage or refinance as a business owner can be 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. So the hardest part is documenting income.

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

Fortunately, there are specialized lenders and mortgage programs that cater specifically to self-employed borrowers. We have established relationships with these lenders and know exactly which lenders and programs to use for different situations and different borrower types. We continually update our knowledge and connections, as the mortgage programs offered by lenders change continually with the changing economic landscape.

Get a second opinion

When you call us for a second opinion, we will let you know within minutes where your mortgage options are and what you can potentially qualify for. The full consultation is about half an hour, during which we will answer you questions and give you helpful advice about what you can do to become qualified, or how you should proceed if you would like to go ahead and apply for a mortgage or refinancing now.

The information you provide is strictly confidential. We will let you know your options but we will not hound you with follow-up phone calls. (We are too busy doing loans.) But if you need us, of course you can always call us back if you have additional questions.

Call 310-294-9417 to schedule and appointment, or self-schedule an appointment online.

“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