Flexible mortgage solutions built for business owners, entrepreneurs, freelancers, independent contractors, and real estate investors — when traditional lenders say no.
Your income is real. Your investment strategy is sound. You just need the right lender.
We work tirelessly to secure the most competitive loan rates for you, guaranteeing that you receive the most favorable rates and terms compared to other offerings in the market.
For self-employed borrowers who qualify using personal or business bank statements instead of tax returns, W-2s, or pay stubs.
Best for: Purchase, refinance, cash-out, and self-employed borrowers whose tax returns do not show the full income picture.
Rental property financing based on the property's cash flow — not the borrower's personal income, tax returns, or W-2s.
Best for: Rental property purchases, refinances, cash-out refinances, portfolio growth, and investor financing.
For investor properties that may not qualify on standard DSCR today but still make strategic sense based on credit, equity, reserves, and the investor's plan.
Best for: Vacant properties, hard-money payoffs, transitional deals, weak current rents, portfolio repositioning, or properties that need time to stabilize.
Complex income, larger loan amounts, bank statement income, second-lien equity options, and investor scenarios require experience and structure. HomeLife has specialized in these types of mortgage solutions since 1990 — funding over $4 billion in loans for self-employed borrowers and real estate investors.
HomeLife works with a broad network of leading Non-QM lenders — giving borrowers access to more programs, more pricing options, and more flexibility for complex files. That matters when your scenario needs the right fit, not just the first program that appears available.
The lowest rate is not always the best mortgage. HomeLife helps borrowers compare rate, payment, points, fees, cash to close, and no-origination-fee options when available — so the loan structure fits the borrower's goal.
Rate, costs, documentation, and qualifying requirements are reviewed before you move deeper into the process. You understand the full picture before spending time or money on the next step.
Complex income, larger loan amounts, equity access, and investor scenarios require more than a quote. They require execution. HomeLife keeps the process moving with clear communication, reliable follow-through, and successful closings for self-employed borrowers and real estate investors.
Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated...
Sharmila S.
I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market...
Douglas Pettibone
I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends.
Sean M.
We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend...
Amber A.
Tell us your loan goal, income structure, property, and timeline. HomeLife reviews the full file upfront, so you understand rate, requirements, documentation, and fit before moving forward.
Start with a quick quote or complete the full review for a firm preapproval, often in as little as 48 hours. Competitive rate and cost options are reviewed upfront — no guessing, no surprises.
From quote to closing, HomeLife keeps the process clear with communication, transparency, and experienced execution. Just a clear path forward.
Whether you are self-employed, a real estate investor, or need to access equity without refinancing your first mortgage — HomeLife can help match your scenario with the right mortgage solution.
Soft credit pull upfront. Quick quote available now. No obligation.
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