AT KINGS OF LENDING, EVERY CLIENT IS OUR PRIORITY

Residential & Commercial Financing

The right loan is the one built for your situation.

W‑2 or self-employed. First home or eighth rental. Perfect credit or a complicated year. With access to more than 150 lender programs, the question is never whether something exists — it is which one actually fits you.

Find Your Program — 15 Minutes (714) 276-6155
150+Lender Programs
11States Licensed
49States Via E Mortgage Capital
4.9Google Rating

How To Read This Page

Start with your situation, not the product name.

Most people arrive knowing the label they have been told to want — FHA, jumbo, conventional — and not whether it suits them. The programs below are grouped by the person, not the paperwork. Find the group that sounds like you, and bring the rest to the call.

Fifteen Seconds

Buy a home on a profit and loss statement.

If you run a business, your tax return is built to show less than you actually earn — and that is exactly what a retail bank judges you on. On a P&L program, a profit and loss statement prepared for your business documents your income instead. Victor covers it in fifteen seconds, including how far these loans go.

  • For business owners, 1099 and self-employed
  • Income documented from a profit and loss statement
  • Loan amounts up to $3 million on qualifying programs

Victor Salazar · NMLS #2052157

Schedule Your 15 Minutes
01

Buying a home

First-time and move-up buyers
ConventionalLoans that follow the limits set by Fannie Mae and Freddie Mac. The most common route for buyers with documented income and established credit.Apply now
FHABacked by the Federal Housing Administration, with lower down payment requirements than most conventional options. Often the right answer for a first purchase.Lower Down PaymentApply now
VAFor eligible service members, veterans and surviving spouses. Qualified borrowers may purchase with no down payment.No Down Payment For Eligible BuyersApply now
JumboFor purchases above standard conforming limits, including high-value and luxury property. Structured properly, well into eight figures.Apply now
02

Self-employed and non-traditional income

1099, business owners, ITIN, foreign nationals
Bank statement loansQualify on twelve to twenty-four months of business or personal bank deposits rather than tax returns. Built for owners whose write-offs make their returns look smaller than their income.No Tax Returns RequiredApply now
Asset-based qualifyingQualify using documented assets instead of monthly income. Useful for retirees, and for anyone whose wealth is in accounts rather than paycheques.Apply now
Profit & loss and 1099 programsIncome documented from a profit and loss statement prepared for your business, or from 1099s alone. On qualifying programs these run to loan amounts of $3 million.Up To $3 MillionApply now
ITIN and foreign nationalHomeownership may be possible without a Social Security number. Programs exist for ITIN holders, recent arrivals and non-resident buyers purchasing in the states we serve.No SSN RequiredApply now
03

Investors

Rentals, flips, portfolios
DSCR and rental income loansThe property qualifies rather than you. Approval is based on the rent the property produces, not your personal income documents.Property Qualifies, Not YouApply now
Fix and flipShort-term financing for a purchase and renovation intended for resale, with terms matched to the length of the project.Apply now
Hard moneyAsset-led financing for situations where speed matters more than the paperwork, or where traditional underwriting will not work.Fast CloseApply now
CondotelFinancing for condominium-hotel units, which most retail banks decline outright. Available in the states we cover.Apply now
04

Already a homeowner

Refinance, equity, building
RefinanceRestructure an existing mortgage — to change the rate, the term, or simply to stop paying for something you no longer need.Apply now
PMI removalIf your equity position has changed, mortgage insurance may no longer be necessary. It is worth checking; it is money leaving every month.Lower Monthly PaymentApply now
One-time close constructionCombines the land purchase and the build into a single loan with a single closing, instead of two loans and two sets of costs.Apply now
Reverse mortgageGenerally available to homeowners aged 62 or older, converting part of the equity in a home into funds without a required monthly mortgage payment. Certain proprietary programs carry different age requirements; eligibility, costs and obligations are reviewed individually.Apply now

Commercial

For developers and investors.

Kings of Lending also arranges commercial financing — for portfolios, ground-up projects and income-producing property.

Developers and investorsPortfolio real estate financing and secondary market mortgage financing for operators holding more than one asset.Apply now
Commercial constructionFunding to build or renovate commercial property, with repayment structured around the project timeline and its cash flow.Apply now
Retail and officePurchase, build or refinance retail and office property.Apply now
Multi-familyFinancing for apartment and multi-unit residential assets.Apply now
Vacant landLand loans for buyers holding for development or for the longer term.Apply now
Energy project financingFunding across a range of energy projects.Apply now

How A Program Gets Chosen

We don't pick the product on the phone.

A program is only right once someone has looked at your actual numbers. The call is short because it is for listening; the work happens afterwards.

I

The call

Fifteen minutes. Your goals, your timeline, your situation. No credit check.

II

Your file

A secure application and your documents once, in one place — not across a dozen emails.

III

The comparison

Your file read against more than 150 lender programs, properly, over a few days.

IV

Your options

Specific numbers and an honest recommendation — including if the answer is to wait.

Straight From The Podcast

Where a rate actually comes from.

Most people are told a number and never told how it was arrived at. In this clip we ask Victor to walk through it plainly — what a rate is built from, what moves it, and what part of it is genuinely in your control. No rate is quoted, because no honest rate can be quoted before a file is read.

  • What sets a rate, in plain language
  • Which parts of your file influence it
  • Why a number given before your file is read is a guess

Victor Salazar · NMLS #2052157

Get Your Numbers

Questions People Ask

Before you pick a program.

Can I get a mortgage without tax returns?
In many cases, yes. Bank statement loans qualify a borrower on twelve to twenty-four months of bank deposits instead of tax returns, and asset-based programs qualify on documented assets. These exist specifically because a self-employed person's tax return is designed to show less income, not more. Eligibility depends on the program and is reviewed individually.
What is a bank statement loan?
A mortgage where your income is established from the deposits into your bank accounts over a set period, usually twelve or twenty-four months, rather than from W‑2s or tax returns. It is aimed at business owners, contractors and 1099 earners. Terms vary by lender and are subject to credit approval.
What is a DSCR loan?
A loan for investment property where approval is based on the income the property itself produces rather than the borrower's personal income. DSCR stands for debt service coverage ratio — essentially, whether the rent covers the payment. It is a common route for investors growing a portfolio.
Can I buy a home with an ITIN and no Social Security number?
In many cases, yes. ITIN mortgage programs and financing for foreign nationals make homeownership possible without a Social Security number. Every situation is reviewed individually against available programs and eligibility guidelines.
How old do you have to be for a reverse mortgage?
The federally insured Home Equity Conversion Mortgage is generally available to homeowners aged 62 or older. Some proprietary reverse mortgage programs offered by individual lenders carry different age requirements. Because the costs and ongoing obligations of a reverse mortgage are significant, eligibility and suitability are reviewed case by case rather than quoted from a table.
Which states can you lend 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., loans can be placed in forty-nine states — every state except New York.
Do I need perfect credit?
No. Different programs are built for different credit profiles, and part of the work is finding the one that fits where you are now. If your position would improve by waiting, you will be told that plainly rather than pushed into something that does not serve you.

Begin

Let's find the one that fits.

Fifteen minutes. No credit check. No obligation — just a clear answer on which programs are open to you.

Schedule Your 15 Minutes
Prefer to speak now? Call or text (714) 276-6155

Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · Equal Housing Lender
The Kings of Lending team is licensed in 11 states. E Mortgage Capital, Inc. lends in 49 states — every state except New York.
Program availability, terms and eligibility vary by lender, property type, occupancy and state, and are subject to change without notice. Nothing on this page is an offer, a commitment to lend, or an extension of credit. All loans are subject to underwriting and credit approval. Not all applicants will qualify.