Kings of Lending

Financing, handled with precision.

Private mortgage advisory for buyers, investors and self-employed borrowers — from first homes to eight-figure jumbo transactions.

Schedule Your 15 Minutes (714) 276-6155

No credit check · No obligation

4.9 · 60+ Google Reviews
Victor Salazar, founder and licensed mortgage broker at Kings of Lending
150+Lender Programs· 11States Licensed· 49States via E Mortgage Capital· NMLS#2052157
4.9Google Rating
150+Lender Programs
11States Licensed
100+Families Guided

The Process

We don't speculate on the phone.

The call is brief because it is for listening. The work that determines your options happens afterwards — carefully, and against the entire market.

I

The Call

Fifteen minutes. Your objectives, your timeline, your constraints.

II

Your File

Documentation provided once, upfront — not across weeks of email.

III

Analysis

Your position assessed against more than 150 lender programs.

IV

Your Options

Specific structures and real numbers. Recommendations, not guesses.

Capabilities

Structured for complexity.

Most brokers work a handful of lenders. We work more than one hundred and fifty — which is why the answer is rarely no.

01JumboHigh-value and luxury purchases, structured properly for eight-figure transactions.
02InvestmentDSCR, cash-flow qualification and multi-property portfolios.
03Self-EmployedBank-statement and asset-based qualification for business owners.
04ITINHomeownership without a Social Security number.
05RefinanceRate, term, and mortgage insurance removal.
06First HomeGuided completely, and never condescended to.

ITIN & Foreign National

No Social Security number? No problem.

It may be possible to explore home loan options without a Social Security number. Our team works with ITIN loan programs and financing options for foreign nationals, recent immigrants, entrepreneurs, and borrowers without traditional documentation.

Every situation is reviewed individually, based on available programs and eligibility guidelines.

Schedule Your 15 Minutes
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Victor Salazar performing BMX with Cirque du Soleil
The work happens before the advice. That is the entire difference.

Victor Salazar · Founder

Cirque du Soleil

Your Advisor

Victor Salazar

Founder of Kings of Lending and a licensed mortgage broker, NMLS #2052157. Before finance, a professional athlete with Cirque du Soleil — a career built on preparation, composure and exactness under pressure. Author of The Wealth Builder's Mortgage Guide.

Every file gets the same preparation, whether it is a first home or a five-million-dollar purchase.

NMLS #2052157Published AuthorCirque du Soleil AlumProfessional BMX AthleteOrange County, CA
4.9

Across 60+ Google Reviews

“

Best loan experience ever. I've worked with several lenders — none compare.

Google
“

Explained everything clearly. The soft pull didn't affect my score at all.

Google
“

I never thought I could buy with just my ITIN. Now I'm a homeowner.

Google

Common Questions

Your mortgage questions, answered.

What does the pre-approval process look like?
It starts with a fifteen-minute call — no credit check — to understand your objectives, timeline and constraints. You then provide your documentation once, upfront, through a secure portal rather than across weeks of email. We analyse your position against more than 150 lender programs and come back with specific structures and real numbers, usually within a few business days.
Can I get a mortgage if I'm self-employed?
Yes. Bank-statement and asset-based qualification programs allow self-employed borrowers and business owners to qualify without traditional W-2 income documentation. These programs look at deposits or assets rather than adjusted gross income, which is often what disqualifies business owners at a retail bank.
What is the minimum credit score needed to get a loan?
There is no single number, because it depends on the program, the down payment and the property type. Some programs accommodate credit profiles that a retail bank would decline outright. Rather than guess, we review your actual situation against the full range of available programs — and the initial consultation involves no credit check at all.
Can I apply without traditional income documentation or tax returns?
In many cases, yes. Bank-statement, asset-depletion and DSCR programs qualify borrowers on business deposits, liquid assets or a property's own rental income rather than tax returns. Eligibility depends on the specific program and your circumstances, which is exactly what the consultation is for.
Does the consultation affect my credit score?
No. The fifteen-minute consultation involves no credit check at all. A soft credit pull may happen later once you decide to move forward, and a soft pull does not affect your score. A hard pull only occurs when you are genuinely ready to proceed.
What states are you licensed in?
The Kings of Lending team is licensed in eleven states: Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia. Through E Mortgage Capital, Inc. (NMLS #1416824), lending is available in 49 states — every state except New York.
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Begin

Let's discuss your financing.

Fifteen minutes. No credit check. No obligation.

Schedule Your 15 Minutes
or speak with us directly — (714) 276-6155

Our Brokerage

Backed by a top 1% brokerage.

Kings of Lending originates through E Mortgage Capital, Inc. (NMLS #1416824) — licensed in 49 states and recognized by United Wholesale Mortgage among the top one percent of its broker partners. The recognitions below were awarded to E Mortgage Capital.

Awards and accreditations shown are held by E Mortgage Capital, Inc., the brokerage through which Kings of Lending originates.

Equal Housing Opportunity Equal Housing Lender

Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · Equal Housing Lender
Kings of Lending is licensed in 11 states. E Mortgage Capital, Inc. is licensed in 49 states (all except New York).
For information purposes only. This is not a commitment to lend or extend credit. All loans subject to credit approval.