Self-Employed or freelance in California? Getting a Mortgage Is Possible—When You Work With the Right Expert.
In fact, you're lucky. In addition to all the standard loan programs there are loans that are only available to those who don't get a regular paycheck.
With over 35 years of experience helping freelancers, business owners, Hollywood writers, anyone who depends on their own hustle—Jean Gallagher delivers custom mortgage solutions tailored to your unique financial profile.
You're in the right place if:
LOAN TYPES
Bank Statement Loans.
Income is derived from average deposits over a 1 or 2 year period
Profit & Loss Statement Loans.
Income is derived from your P&L statement.
Asset Based Loans.
For high net-worth borrowers, income is calculated from assets only, or in addition to, earnings
DSCR Investor Loans (nationwide).
These are loans that depend only on the income derived from the property.
DPA Loans (Down Payment Assistant)
For buyers who earn a good income but need help with the downpayment.
HELOCS or fixed rate 2nds
Construction Loans
Single Family, Condominiums, 2-4 units
Owner-occupied, vacation homes, investment properties
Strategy over Scripts
Jean reviews your full financial picture—not just the numbers on paper—to present your income in the best possible light.
Even more important is looking toward your future. You want the best loan for right now, but don't want to back yourself into a corner where refinancing isn't an option as rates come down.
REAL COMMUNICATION
You'll be treate like a person, not a number. No AI here :-)
Call, text or email Jean directly. No gatekeepers. No delays. Just results.
310-429-8070
jean@JeanGallagher.com