Turned down by a bank · Self-employed · 1099
The bank said no? That isn’t always the final answer.
Turned down by a big bank, self-employed or paid on 1099s? A bank’s no usually means you didn’t fit its programs. Get a free 15-minute second look from Victor Salazar, who compares 150+ lender programs, including bank-statement, 1099 and other non-QM options.Turned down by a bank, self-employed or on 1099s? Get a free 15-minute second look from Victor.
Text VictorTakes 15 minutes. No credit check for the call. No obligation. Pick any time that works for you.
Victor Salazar · Founder, Kings of Lending
Prefer a callback?
Not ready to book? Tell us what the bank said.
Share a few details and Victor will reach out personally for your free second look.
“I had a complicated deal… and everything was handled beautifully.”William P. · Google review
Who we help
Built for the files banks turn away.
Self-employed & 1099
Qualify with bank statements or 1099s instead of tax returns, through bank-statement programs.
Book a call →02Turned down by a bank
A bank’s no usually means its own programs didn’t fit. We compare your file against many lenders’ guidelines.
Book a call →03Job change or past credit event
Some programs look at your situation differently than a bank does. Eligibility depends on the program and your file.
Book a call →04Non-QM & complex files
Non-traditional income, unique properties or higher loan amounts, reviewed by a real loan officer.
Book a call →Your advisor
Meet Victor Salazar.
Victor Salazar (NMLS #2052157) leads the Kings of Lending team, powered by E Mortgage Capital, Inc. (NMLS #1416824), a licensed mortgage brokerage. Through E Mortgage Capital, the team has access to more than 150 lender programs. If one lender’s requirements don’t fit your situation, we can explore other available options.
Before finance, Victor was a professional athlete who performed with Cirque du Soleil. He is also the author of The Wealth Builder’s Mortgage Guide.
How it works
Simple, from the first call.
Start with a free conversation. If you decide to move forward, we’ll guide you through the application and document review.
The call
Your situation, what the bank told you, and your goals.
Your documents
Upload your initial documents securely. Your loan officer will explain any additional items needed.
Your loan review
Your loan officer reviews your information against available lender programs.
Your options
Compare available options, estimated payments, and costs after your information is reviewed.
Client reviews
4.9 across 60+ Google reviews.
“Being self-employed, I wasn't sure where to start with a mortgage. Victor helped me understand my options and which documents I needed. He was kind, professional, and always responsive.”Alex W., self-employed investor, California · Client testimonial
★★★★★“Victor was finally the one who helped me obtain a loan for my investment property. Prior to meeting Victor, I spoke to a few mortgage brokers but couldn't find one to qualify me… Victor is very knowledgeable, helpful, and honest.”Ilona S. · Google review
★★★★★“Every step of the process they helped me understand what was needed and helped keep me on track. It was honestly the fastest and easiest closing process I have ever experienced.”Kevin M. · Google review
Clients on Google often mention: early closing · smooth loan process · responsive team · loan options
Read all reviews on GoogleIndividual results vary. Reviews reflect each client's own experience.
Common questions
Before you book.
Does the call affect my credit score?
No. The 15-minute consultation does not include a credit check. If you later decide to apply, you’ll be told before any credit report is requested.
Is there a cost for the consultation?
No. The consultation is free, with no obligation to apply.
Can I qualify if I'm self-employed?
Often, yes. Bank-statement and asset-based programs can qualify business owners using deposits or assets instead of tax returns. Eligibility depends on the program and your file.
Do I need to meet in person?
No. Most of our clients work with us remotely. You can speak with us by phone, upload documents through our secure online portal, and receive personalized video explanations of your loan options and estimated costs to review at your own pace.
Victor and our team keep you informed and answer your questions throughout the process.
I was turned down by my bank. Can you still help?
Often, yes. A bank’s no usually means its own programs didn’t fit your situation. We compare your file against a wide range of lender programs, including bank-statement, DSCR and other non-QM options. Approval is never guaranteed, and every file is subject to underwriting.
What is a non-QM loan?
A non-QM loan is a mortgage that doesn’t follow standard qualified-mortgage documentation rules. These programs may use alternative income documentation, such as bank statements, and each lender sets its own guidelines.
Which states are you licensed in?
The Kings of Lending team is licensed in Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia, powered by E Mortgage Capital, Inc. (NMLS #1416824). You can verify licensing on NMLS Consumer Access.
Begin
Your next step starts with a free call.
Free 15-minute consultation. No credit check for the call. No obligation.