LIC
#4111438
NPN
#19877816
NMLS
#2535277
About Sal
I Built This for the People Banks Keep Turning Away
The self-employed, the 1099 earner, the freelancer, the business owner — you don't fit the W-2 box. Traditional banks penalize you for it. I don't.
I work with specialty lenders and insurers who understand variable income, asset-based qualification, and the real financial picture of the modern workforce. One broker, two services, zero runaround.
My programs are primarily Non-QM — the products most brokers don't offer. That's exactly what sets me apart:
- P&L Only Qualify using just a 12–24 month Profit & Loss statement — no tax returns required. As low as 3.5% down.
- VOE Only Verification of Employment as the sole income doc. Simple, fast, and borrower-friendly. As low as 3.5% down.
- ITIN Loans I work with lenders who fund loans for ITIN borrowers — no Social Security number required. As low as 3.5% down.