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.
These programs are ideal for:
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.
Convoy Home Loans · NMLS #2130517 · Licensed Mortgage Broker
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This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.