Los Angeles Based Mortgage Broker
Every Loan Type
Every Borrower
Self-employed, non-QM, jumbo, FHA, first-time, and investor loans — especially when the big banks say no.
Self-employed, non-QM, jumbo, FHA, first-time, and investor loans — especially when the big banks say no.
Purchase price to income needed — at a glance. Screenshot it. Send it to your clients.
Based on 20% down, 30-year fixed, current conforming rates. Full table includes 5% down and jumbo.
Week of . Rates are illustrative snapshots — your final rate depends on your specific scenario.
Rates shown are for informational purposes only and subject to change without notice. Actual rate depends on credit score, LTV, property type, and program.
Different income stories need different mortgage solutions. Pick what fits.
Most LA first-timers buy with just 3–5% down on a conventional loan — not FHA. See the low down payment path that fits you.
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Already own a home? Upgrading, downsizing, or buying a second property — we match you with the best program.
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Your tax returns show less than you earn. Bank statement and P&L loans qualify you on real income — not IRS math.
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Scale your portfolio without showing personal income. DSCR loans qualify on rental income alone. LLC-friendly.
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Lower your rate, pull out equity, or open a HELOC — without jumping through hoops at a big bank.
Learn more →No phone tag, no jargon, no surprises. Here's exactly how it goes.
Share your scenario in a quick text or the online form.
A short, clear checklist — no shoebox of paperwork.
See real programs and payments side by side.
Underwriting handled for you, with updates along the way.
Sign, get the keys, and we celebrate.
Estimates only. Actual payment depends on rate, program, credit, and loan type. Includes principal, interest, taxes, and insurance.
Ask me anything — I'll answer in plain English. For your exact numbers, text me directly.
Most mortgage brokers are generalists. Derek went deep on the loans that require actual expertise — Non-QM, bank statement, DSCR, and complex self-employed scenarios that most lenders won't touch.
Based in Los Angeles. Licensed in California. Powered by 7 Mortgage, LLC. If you've been denied, given confusing answers, or told to "come back in two years" — that's exactly who Derek built this for.
Derek got me approved after two other lenders said no. My tax returns made my income look low but he used my bank statements instead. Closed in 24 days.
I had no idea I could use rental income to qualify for another investment property without showing personal income. Derek explained DSCR in five minutes. We were under contract a week later.
As a first-time buyer I thought I needed 20% down. Derek stacked an FHA loan with a down payment assistance program and I closed with less than $3,000 out of pocket.
Clean options, plain English. Tap any program to see if it fits.
Low down payment and flexible credit for everyday buyers.
The classic loan — as little as 3% down for qualified buyers.
Financing above conforming limits for higher-priced LA homes.
Qualify on 12-24 months of deposits instead of tax returns.
Use a CPA-prepared profit & loss statement to qualify.
Qualify on the property's rental income, not your personal income.
Tap your home's equity with a line of credit or fixed second.
Turn your savings and investments into qualifying income.
Buy or invest in LA without U.S. credit or a Social Security number.
Not sure which fits?
Text Your Scenario →Home price, down payment, credit range. That's all. Real numbers back within the hour.