Talk
A 15-minute call or the quiz. I learn how you earn, not just what you file.
Mortgage broker for the self-employed · Culver City
Self-employed? Get approved on the income you actually make.
I'm Brian. I help freelancers, business owners and investors qualify using bank statements, rental income or assets, across 50+ lenders.
- No tax returns to start
- No credit check
- 4.9★ on Google
4.9 · 74 Google reviews
4.9★Google rating (74)
12Years in business
900+Self-employed clients
50+Lenders I shop for you
- Non-QM specialist
- Google 5-Star
- Equal Housing Opportunity
Start however you're comfortable
Three ways in. Pick the one that feels right today.
Ready to go
Apply online
Know what you want? Start your secure application.
About 15 minutes
Start ApplicationMost popularJust looking
See my options
6 quick questions. No credit check.
About 2 minutes
Take the QuizWhy a broker
Banks see your tax return. I see your business.
Write-offs shrink your taxable income. The right lender looks at what actually hits your account.
Compare every loan I offer →| Compare | Your bank | Brian |
|---|---|---|
| Income they count | Tax returns only | Bank deposits, rental income or assets |
| Lenders compared | 1 — their own | 50+, including non-QM lenders |
| Who you talk to | Whoever picks up | Me, from first call to closing |
| How pricing works | Retail pricing | Wholesale pricing, my fee shown upfront |
Loan programs
Find the loan that fits your life
Every program below is available through the lenders I work with. Not sure? The quiz will point you the right way.
See all programsNot sure which fits? Take the quiz →
Meet Brian
Hi, I'm Brian. I speak fluent 1099.
My dad ran a restaurant for 20 years and still got turned down for a mortgage because his tax returns looked small. I built my business around people like him. I live in Culver City and still read every bank statement myself.
- 12 years
- NMLS #0000000
- English · 中文
How it works
From first call to keys in 4 steps
- 1Day 1
- 21–3 days
Send statements
Upload 12–24 months of bank statements once. You get a letter you can shop with.
- 3Same week
I shop the market
I compare bank statement, DSCR and conventional options side by side.
- 4About 30 days
Close
I handle the lender, appraisal and paperwork. You get the keys.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Payment calculator
What would my monthly payment be?
Play with the numbers. When you want your real rate, the quiz takes two minutes.
Estimated monthly payment$0
- Loan
- Tax
- Insurance
- HOA
Takes 2 minutes. No credit check.
For illustration only. Not an offer to lend. Your actual rate, APR and payment will depend on your credit, loan type, property and other factors. Principal and interest only; PMI not included.
FAQ
Questions people ask before calling
How does a bank statement loan work?
Instead of tax returns, the lender averages 12 or 24 months of your personal or business deposits to figure out income. I'll tell you which version fits your books.
Do I need tax returns at all?
Often not. Many bank statement and DSCR lenders don't ask for them. If your returns are strong, a conventional loan may cost less, and I'll show you both.
Can I qualify on rental income alone?
Yes, with a DSCR loan. The property's rent has to cover its payment, taxes, insurance and HOA. Your personal income isn't the focus.
Can I close in my LLC?
Many investor lenders lend to LLCs. I'll match you with ones that do.
Will checking my options hurt my credit?
No. The quiz doesn't pull credit. A full check only happens when you apply, and I'll tell you first.
How do you get paid?
By the lender or by you, and I show you exactly how much before you choose. No surprises.
Let's see what your real income qualifies for.
Two minutes, no tax returns, no credit check.
See If I QualifyOr call or text (310) 555-0177