Flexible Home Loans for Self-Employed Californians
With Tony McConnell at The Mortgage Krew, self-employed borrowers across California gain access to mortgage solutions designed around real income—not rigid guidelines. We specialize in helping business owners, freelancers, contractors, and investors get approved using flexible qualification options that traditional lenders often overlook.
Mortgage Solutions Built
for Self-Employed Borrowers
Smart Lending Options That Work with Your Income
With Tony McConnell at The Mortgage Krew, self-employed borrowers are no longer limited by traditional income documentation standards. We understand that many successful professionals show lower taxable income on paper while maintaining strong cash flow and long-term financial stability. That’s why we focus on alternative documentation programs that allow your income to be evaluated more realistically.
By offering solutions such as bank statement loans, P&L loans, 1099 loans, WVOE, and asset-based qualification, Tony McConnell at The Mortgage Krew helps borrowers move forward without unnecessary denials or delays. Every loan is carefully structured to align with your income profile while meeting lender and compliance requirements, ensuring a smoother path from application to closing.
Serving Self-Employed Borrowers Across California
With Tony McConnell at The Mortgage Krew, self-employed borrowers throughout California receive consistent, expert mortgage guidance regardless of location. California’s housing markets are diverse and competitive, and navigating them requires a lender who understands both statewide regulations and local market conditions. Our experience allows us to adapt loan strategies to meet these challenges effectively.
Whether you’re in a major metro area or a growing suburban market, Tony McConnell at The Mortgage Krew delivers personalized service and responsive communication. Our statewide reach ensures that self-employed Californians have access to the same high-quality loan options, expertise, and support no matter where they choose to buy or refinance.
Loan Programs Tailored to How You Earn
With Tony McConnell at The Mortgage Krew, loan programs are designed around your income structure—not the other way around. We offer a wide range of solutions that address the needs of self-employed borrowers, investors, and individuals with non-traditional documentation.
Alternative Income Qualification Options
Bank statement loans, P&L loans, 1099 loans, WVOE, and asset utilization programs allow borrowers to qualify based on cash flow, business performance, or assets. These programs are ideal for business owners and independent professionals whose income may not be accurately reflected on tax returns.
Investor & Specialized Loan Programs
DSCR loans focus on property cash flow rather than personal income, making them ideal for real estate investors. ITIN Premier and ITIN Close Call programs provide viable financing options for borrowers without traditional Social Security documentation, while full documentation loans remain available for those who qualify conventionally.
Low and Zero Down Payment Opportunities
With Tony McConnell at The Mortgage Krew, eligible borrowers can access zero down home loans and CalHFA FHA programs to reduce upfront costs. These options help make homeownership more attainable while maintaining competitive terms and responsible lending practices.
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A Mortgage Partner Who Understands Self-Employment
With Tony McConnell at The Mortgage Krew, clients work with a mortgage professional who truly understands the financial realities of self-employment. Every borrower receives hands-on guidance, clear explanations, and a customized loan strategy designed to support both immediate approval and long-term success.
