Loans Made Simple
Purchase, refinance, or invest. We make the mortgage process straightforward so you can focus on what matters.
I am:
Traditional Lenders Don't Understand Your Income
If you're self-employed, own rental properties, or run a business, your tax returns probably don't reflect what you actually earn. That's not a problem with you — it's a problem with how most lenders qualify borrowers.
Self-Employed Borrowers
You write off business expenses to reduce your tax liability — smart tax planning, but it makes your W-2 equivalent income look artificially low. Traditional lenders see your tax return and say no. Bank statement loans use your actual deposits to qualify you.
Real Estate Investors
You own properties that generate cash flow, but your personal DTI ratio is maxed out on paper. Conventional lenders cap you at 10 financed properties. DSCR and NONI loans qualify on the property's income, not yours — with no limit on how many properties you finance.
Our Specialty Programs
Solutions designed for how you actually earn money.
Bank Statement Loans
Qualify using 12-24 months of personal or business bank statements. No tax returns required. Primary residence, second home, or investment property.
DSCR Investor Loans
Qualify based on rental property cash flow. No W-2s, no employment verification. Up to $2M for 1-4 unit investment properties. LLC ownership allowed.
NONI Investment Loans
Up to $3.5M, no income docs, no ownership seasoning on cash-out. 85% LTV on purchases. Foreign national programs available.
Borrowers Like You
Self-employed consultant, $180K in annual deposits
Tax return shows $72K after deductions. Traditional lenders qualified her for $320K. With a bank statement loan using 12 months of deposits, she qualified for $620K and bought her first home in Orange County.
Investor with 14 rental properties, expanding portfolio
Hit the 10-property conventional loan cap. DSCR loan qualified him on the duplex's rental income — no personal income docs needed. Closed in 22 days, property held in LLC.
Investor recycling capital with no seasoning
Bought a fourplex cash, stabilized it, then used a NONI loan to do an immediate cash-out refinance — no ownership seasoning required. Pulled $480K out to fund the next acquisition.
All Loan Programs
We also offer traditional financing for all borrower types.
Why Choose 1st Nationwide Mortgage?
Non-QM Specialists
We specialize in bank statement, DSCR, and investor loans — not just conventional mortgages.
Licensed in 18 States
California, Texas, Florida, and 15 more — full state licensing wherever you're buying or investing.
20+ Years Experience
Investor-focused lending since 2005. Dedicated loan officers, not a call center.
What Is a Bank Statement Loan?
A bank statement loan is a mortgage that uses 12-24 months of personal or business bank statements to verify income instead of tax returns or W-2s. It's designed for self-employed borrowers, business owners, freelancers, and gig workers whose tax returns don't reflect their true earning power due to legitimate business deductions. Learn more
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies borrowers based on the property's rental income rather than personal income. If the rent covers the mortgage payment, the borrower qualifies — no tax returns, no W-2s, no employment verification required. Learn more
Frequently Asked Questions
Can I get a mortgage if I'm self-employed?
Yes. Bank statement loans are specifically designed for self-employed borrowers. Instead of tax returns, we use 12-24 months of your bank deposits to determine qualifying income. Many self-employed borrowers who get denied by traditional lenders qualify with us.
How many investment properties can I finance?
With DSCR and NONI loans, there is no limit. Conventional loans cap you at 10 financed properties, but our investor programs have no such restriction. Each property qualifies independently based on its own cash flow.
What states do you lend in?
We are licensed in 18 states including California, Texas, Florida, Georgia, North Carolina, South Carolina, Ohio, Virginia, Tennessee, and more. View all states
Do you offer foreign national mortgages?
Yes. Our NONI program includes a dedicated foreign national track — no U.S. credit history, income, or employment required. Investment properties only, up to $1.5M, with foreign-held reserves accepted. Learn more
Get Pre-Qualified in Minutes
Fill out a quick application and one of our loan officers will reach out to discuss your options. No obligation, no cost.
- No impact on your credit score
- Licensed in 18 states
- Specialists in self-employed and investor loans
Ready to See What You Qualify For?
Get pre-qualified in minutes. Our loan officers specialize in self-employed and investor financing.