Key benefits

12 or 24 months of bank statements in lieu of tax returns
1099-only income programs available
Asset depletion / asset-based income qualification
Available on primary, second home, and investment properties
Loan amounts into the millions
No employment verification for certain programs

All loans originated through Centek Capital Group | DRE #01219983 | NMLS #275995

Who this is for

For loan amounts above conventional conforming limits — the reality for most Los Angeles buyers. Jumbo financing requires lender relationships and underwriting expertise that most brokers simply don't have. Ben navigates this space daily.

Exclusive Loan Program

Non-QM / Bank Statement Loans

Built for the borrower whose tax returns don't tell the full story. Business owners, freelancers, and 1099 earners often write off significant expenses — reducing taxable income and creating a false picture of their actual cash flow. Non-QM fixes this.

Self-Employed · 1099 · Complex Income