Buy Your Home Even When
Banks Say No
Self-employed? Writing off too much income? We specialize in home loans for
business owners, freelancers, and W2 earners who don't fit the traditional box.
Get approved using bank statements instead of tax returns
Close fast - many home purchases close in 21 days or less
Buy or refinance your home with flexible income documentation
Licensed Mortgage Broker | 1000+ Happy Homeowners | NMLS #1553947
Been Turned Down by Your Bank?
You're not alone. Traditional lenders reject thousands of qualified borrowers every month because:
Your tax returns show too little income (even though your business is thriving)
You're self-employed or 1099 and don't have two years of W2s
Your income fluctuates seasonally or you just changed careers
You have great credit but your debt-to-income ratio is "too high"
The truth? You CAN qualify. You just need a lender who understands how real people earn money in 2025.
How We Get You Approved
We offer alternative qualification methods that traditional banks don't.
Bank Statement Loans
Show 12-24 months of business or personal bank statements instead of tax returns. Perfect for self-employed borrowers.
Flexible Documentation
1099s, P&L statements, CPA letters, and asset-based qualification options when traditional docs don't tell your full story.
Expert Guidance
Direct access to experienced loan officers who know US lending inside-out. No call centers, no runaround.
Loan Programs That Actually Work
Bank Statement Loans (12 or 24 months)
As low as 10% down
Use deposits to calculate income
No tax returns required
P&L Only Programs
CPA-prepared profit & loss statements
Ideal for newer businesses
Competitive rates
Asset Depletion Loans
Qualify using savings/investments
Perfect for high net-worth borrowers
Flexible terms
DSCR Loans
For rental properties
Loan based on property income
No personal income required
1099 Contractor Programs
For independent contractors
Simplified documentation
Quick approvals
Conventional & FHA
Conventional (as low as 3% down)
FHA (3.5% down, flexible credit)
Jumbo up to $4M+
Why Work With Ben Amor Mohamed
Expert Guidance
A single, guided experience from start to finish. Our team takes you step-by-step with the support and expertise you deserve.
Fast, Streamlined Process
Close in as little as 21 days with our optimized approval process and dedicated underwriting team.
Programs for Every Situation
From FHA to bank statement loans to jumbo financing - we shop multiple programs to find your best rate and terms.
✓ Licensed nationwide with local market expertise
✓ No junk fees or hidden costs
✓ Direct lender relationships for better rates
✓ Same-day pre-approvals available
Real Borrowers, Real Approvals
Don't just take our word for it - here's what our clients say
Malik
This was a great experience
This was a great experience Very great Company, I worked with Gisele and she did a awesome job, a true professional and great at what she does. it was one of the best experiences I've had in business so far. Also want to say thank you to Irma, the best processor i have ever worked with, Ben Amor Mohamed will do everything in there power to make sure you're taking care of. Looking forward to a bright future with them also
Ms. Patterson
Ben Amor Mohamed is amazing!
They went above and beyond to help me close my DSCR loan. These types of loans aren't easy, but Ben Amor Mohamed was thorough, professional, and always answered the phone when I had questions. and their team found creative ways to make the numbers work and got the deal done. I'd highly recommend them to anyone looking for a lender who truly knows their stuff and delivers results.
Faisal Suleman
Henry Vicente
Ben Amor Mohamed professional, courteous and a fabulous team in making sure we could refinance our super high interest loan. We had patience and trust in Ben Amor Mohamed's guidance to gather all of our documents necessary to close. Ben Amor Mohamed's direction throughout our timeline was critical. We were able to get a better fixed rate 30 year loan. Thank you Ben Amor Mohamed for helping us achieve our goal!
The Market Moves Fast. So Do We.
Interest rates change daily. Home prices in competitive markets wait for no one. Get your pre-approval
locked in now so you're ready when you find the right property.
Average time to pre-approval: 24 hours
Average closing time: 21-30 days
Rate lock available: Up to 90 days
Free consultation, no obligation
Mortgage FAQs
We offer alternative qualification methods that traditional banks don't.
What if my tax returns don't show enough income?
This is exactly who we help. Bank statement loans use your actual deposits to calculate income—not what you wrote off. If your business is generating cash flow, you can likely qualify. We'll review your last 12-24 months of statements to determine your qualifying income.
What documents do I need to get started?
It depends on your loan type. For traditional loans: W2s, tax returns, pay stubs, and bank statements. For self-employed/bank statement loans: 12-24 months of business or personal bank statements, and a valid ID. We'll guide you through exactly what you need during your consultation.
How fast can I close?
Most purchase transactions close in 21-30 days. Refinances typically take 14-21 days. We'll give you an exact timeline after reviewing your specific scenario. Rush closings are available in certain situations.
What credit score do I need?
It depends on the loan program. FHA loans accept scores as low as 580 (sometimes lower). Conventional loans prefer 620+. Bank statement and portfolio loans vary by lender but often start at 660. We work with multiple lenders to find options for various credit profiles.
Are you licensed nationwide?
Yes, we are a licensed mortgage broker (NMLS #232341). We work with borrowers across the United States and understand the unique requirements and opportunities in various markets.
Ready to Explore Your Mortgage Options?
Stop letting traditional bank requirements hold you back. Let's find a loan program that matches your
unique situation and goals.
No obligation. No pressure. Just expert guidance to help you succeed.
Your trusted partner for owner-occupied mortgage solutions with competitive rates and personalized service.
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This is an advertisement for a mortgage loan. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
NMLS #232341