Lending Built for Business Owners, Investors, and Non-Traditional Income

Your tax returns don't always tell the full story. Our team specializes in structuring loans for self-employed borrowers and real estate investors who don't fit conventional guidelines.

Non-QM Programs

Flexible Loan Options That Fit Your Finances

12–24 Months Statements

Bank Statement Loans

Qualify using personal or business bank statements instead of tax returns. Perfect for write-off heavy borrowers.

CPA-Prepared

P&L-Based Loans

Use a profit & loss statement prepared by a CPA to qualify — less documentation, same great rates.

No Income Required

Asset Depletion

Use your assets — savings, investments, retirement — to qualify. Great for retirees and high-net-worth borrowers.

Investor Loans

DSCR Loans

Qualify using the rental income from the property — no personal income verification needed.

Minimal Documentation

No-Doc Loans

For unique scenarios where traditional income verification isn't possible — flexibility meets speed.

All Programs

Full Non-QM Suite

If you don't fit the conventional mold, chances are we have a program that works. Let's talk.

Who We Work With

Who Qualifies for These Programs?

Business owners, freelancers, consultants

Independent contractors and gig workers

Tax returns don't reflect true earning power

New or experienced — DSCR, portfolio, fix & flip

Qualify using savings and investment accounts

Complex financial profiles welcome

Why the Wilburn Mortgage Team

Experience with Complex Income Scenarios

Most lenders rely on rigid guidelines. Our team takes a different approach — flexible, strategic, and designed around your actual financial situation.

Deep Non-QM Experience

Years of structuring loans for self-employed and investor clients.

Wide Lender Network

Access to programs most local brokers can't match.

Strategic Guidance

We align financing with your long-term goals, not just approval.

Clear Communication

No jargon, no surprises. Just honest guidance at every step.

Leadership That Sets the Standard

Let’s talk about where you are — and where you want to go.

Mortgages. Real Estate. Finance.