Qualify for a home loan even when traditional guidelines don’t work. At Convoy Home Loans, we specialize in creative financing solutions for self-employed professionals, investors, gig economy workers, and high-net-worth individuals in San Diego, El Segundo, and across California who need flexible qualification methods.
Creative financing options (also known as Non-QM or alternative documentation loans) are mortgage programs designed for borrowers who don't fit neatly into conventional, FHA, or VA guidelines. These loans use alternative ways to verify income, assets, and credit instead of relying solely on W-2s and tax returns.
Our creative financing programs include:
Bank Statement Loans - Perfect for self-employed borrowers who want to keep all their business write-offs.
1099-Only Loans - For independent contractors and gig workers paid primarily via 1099s.
Profit & Loss (P&L) + Bank Statements - Quick qualification using recent P&L statements and just 2 months of bank statements.
Asset Utilization / Asset-Based Loans - Use liquid assets (stocks, bonds, retirement accounts, even Bitcoin) as the basis for qualification.
Cross-Collateralization & Pledging - Leverage additional liquid or non-liquid assets to strengthen your loan application.
These flexible programs open doors for borrowers who have strong finances but unconventional income documentation.
No need to add back business expenses that reduce your taxable income.
12-month or 24-month bank statement options available.
Use investment portfolios, crypto, or other holdings instead of traditional income.
Ideal for contractors, consultants, and business owners.
Often available on jumbo and super jumbo loan sizes.
Full range of transaction types supported.
LLCs, corporations, and trusts are commonly accepted.
In one of America's most expensive coastal markets, super jumbo loans open doors to properties that standard financing simply cannot reach.
Typically 0.25%-1.0% higher than traditional loans due to increased lender risk.
Often 10-25%+ depending on the program and credit profile.
Some programs have 30-year maximum terms.
Although still far more flexible than conventional loans.
Requires specialized Non-QM lenders.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
These programs are ideal for:
✓ Self-employed professionals and small business owners
✓ Real estate investors and 1099 contractors
✓ Gig economy workers and high-earning freelancers
✓ Borrowers with significant assets but lower reported W-2 income
✓ Individuals with complex tax situations
✓ High-net-worth clients using Bitcoin or investment portfolios for qualification
✓ Anyone declined by traditional banks due to documentation challenges
We evaluate your full financial picture - bank statements, P&L, assets, 1099s, etc.
We match you with the best creative financing solution (Bank Statement, Asset-Based, etc.).
Submit the required alternative records (12/24 months bank statements, P&L, asset statements, etc.).
Specialized lenders review your file with flexible guidelines.
Get approved and close on your purchase or refinance with confidence.
We guide you through every step and shop multiple Non-QM lenders to secure the best terms.
Program Type | income documentation | Best for | rate comparison | down payment |
|---|---|---|---|---|
Creative / Non-QM | Bank Statements, 1099, Assets | Self-employed & investors | Slightly Higher | 10-25%+ |
Conventional | W-2 + Tax Returns | Salaried borrowers | Lowest | 3-20% |
Bank Statement Loan | 12 or 24 months deposits | Business owners | Moderate | 10-20% |
Asset Utilization | Investment & crypto holdings | High-asset / lower income | Moderate | Varies |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have strong relationships with top Non-QM and alternative lenders. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We specialize in turning "no" from traditional lenders into "yes" with creative solutions.
Ready to explore creative financing options that actually work for you? Get pre-approved today - no obligation.
A program that uses 12 or 24 months of personal and/or business bank statements to verify income instead of tax returns.
Yes - we have dedicated 1099-only programs designed for independent contractors.
Yes - we can use Bitcoin and other digital assets for qualification under our asset utilization programs.
We use your liquid assets (stocks, bonds, bank accounts, retirement funds, crypto, etc.) to help qualify you for the loan.
Yes - both liquid and non-liquid assets can be pledged to strengthen your application.
Absolutely - many of our programs work excellently for primary residences, second homes, and investment properties.
Yes - we are licensed in many states and can assist borrowers nationwide where permitted.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.
A 30-year fixed-rate mortgage is the most popular home loan in America. It features a constant interest rate and unchanging monthly principal-and-interest payments over the full 30-year (360-month) term.
Your rate is set at closing and never changes - even if market rates rise or fall. This predictability makes budgeting straightforward for decades.
At Convoy Home Loans, we shop multiple lenders to find you the best fixed rate available for your situation.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
This loan suits:
We guide you through every step with transparent communication.
| Loan Type | Monthly Payment | Interest Rate Stability | Best For | Total Interest |
|---|---|---|---|---|
| 30-Year Fixed | Lower | Fixed entire term | Long-term homeowners | Higher |
| 15-Year Fixed | Higher | Fixed entire term | Faster payoff | Lower |
| Adjustable-Rate (ARM) | Varies | Changes after intro | Short-term stays | Varies |
As a nationally licensed mortgage broker (NMLS #2130517), we offer access to a wide range of programs with competitive rates. Our mission is simple: provide financing options that enhance your standard of living while treating you like family.
Clients love our fast closings, personalized advice, and ability to beat big-bank offers.
Ready to get started? Speak with a loan officer today - no obligation.
Convoy Home Loans · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.