KOL Home Source

Victor Salazar, founder of Kings of Lending
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

4.9Google Rating
150+Lender Programs
11States Licensed
100+Families Guided

The Kings of Lending team is licensed in 11 states: Arizona · California · Colorado · Florida · Illinois · Indiana · Iowa · Nevada · New Jersey · Texas · Virginia

We originate through E Mortgage Capital, Inc. (NMLS #1416824), which lends in 49 states — every state except New York. Victor Salazar · NMLS #2052157

At The Whiteboard

It starts with three questions.

Before rates, before listings, before anything else. Victor puts three questions on the whiteboard — and answering them honestly is what turns a confusing process into a simple one.

How long will you live in the home?
W‑2, or self‑employed?
Down payment, savings and closing costs

Victor Salazar · NMLS #2052157

Schedule Your 15 Minutes

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.

01

Jumbo

High-value and luxury purchases, structured properly for eight-figure transactions.

02

Investment

DSCR, cash-flow qualification and multi-property portfolios.

03

Self-Employed

Bank-statement and asset-based qualification for business owners.

04

ITIN

Homeownership without a Social Security number.

05

Refinance

Rate, term, and mortgage insurance removal.

06

First Home

Guided 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
The work happens before the advice. That is the entire difference.
Victor Salazar performing BMX with Cirque du Soleil Cirque du Soleil · Professional BMX

Your Advisor

Victor Salazar

Founder of Kings of Lending and a licensed mortgage broker, NMLS #2052157. Before finance, a professional athlete performing 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 AlumOrange County, CA
The Wealth Builder's Mortgage Guide by Victor Salazar

Published Author

The Wealth Builder's Mortgage Guide

Simple steps to financial independence. Victor's book on using property finance to build long-term wealth — available on Amazon in paperback and Kindle, and as an instant download here.

Get the Book Free Guides

Film

Watch before you call

3 Steps To Buying A Home

ITIN Explained

Why Buyers Should Plan Early

Locking Interest Rates · Myth vs Fact

A Word From Victor

4.9 · Across 60+ Google Reviews

“ Victor and his team provided a phenomenal experience throughout the process of securing a comfortable loan and ultimately closing escrow on a new home in less than 3 weeks.

RRyan 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.

KKevin M. · Google Review

“ Victor was extremely patient, detailed and helpful with our first home purchase. He created us a plan and executed everything perfectly. He still follows up with us to see how we are doing.

VVictor O. · Google Review

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.
View all mortgage FAQs

Where would you like to go?

Everything, one tap away.

Free consultationFifteen minutes, no credit check, no obligation.Start here → Get pre-approvedKnow exactly what you qualify for before you shop.Begin → Loan programsOver 150 lender programs, including ones banks do not offer.Browse → Denied by a bank?A decline from one lender is not the end of the road.Read this → Free books & guidesVictor's book and two free guides you can download now.Get them → Common questionsStraight answers to what everyone asks us first.See answers → Meet VictorWho you will actually be speaking to, and why it matters.His story → Contact usPhone, email, and a real office in Santa Ana you can visit.Reach us → CareersFor licensed loan officers who want a wider lender panel.Join us →

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.