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Licensed · 20+ Years · Lowest Yield Spread in the Market
Your Mortgage Coach,
Not Just a Lender
We anticipate every hurdle before it happens. From first-time homebuyers to seasoned investors — we secure the most competitive rates and guide you every step of the way.
QM Loans · California
NonQM · Nationwide
Commercial · Nationwide
SBA 7(a) & 504
Find Your Path
What Are You Looking For?
Select your goal — we match you with the right program and coach you through every step.
Buy a Home
Buy a Home
FHA, Conventional, Jumbo, NonQM, and first-time buyer programs across California.
Search Listings →Refinance
Refinance
Lower your rate, tap equity, or switch programs. We find the best fit for your situation.
Start Refi →No Doc Loans
No Doc Loans
No tax returns, no W-2s. DSCR, bank statement, asset-based, WVOE, and 1099 options.
Apply No Doc →Investment
Investment Property
DSCR, Hard Money, Foreign National, and portfolio loans for real estate investors.
Browse Properties →Commercial RE
Commercial Real Estate
Office, retail, multifamily, mixed-use. Nationwide financing with expert guidance.
Explore Listings →Gas Station
Gas Station Loans
Specialized financing for gas stations & convenience stores. Niche expert underwriting.
Learn More →SBA Loans
SBA Loans
SBA 7(a), SBA 504, Equipment Loans. We coach first-time SBA borrowers start to finish.
Apply for SBA →Islamic Finance
Islamic Finance
Sharia-compliant financing — we connect you with certified Islamic lenders we personally vet.
View Lenders →Live Market Snapshot
Today's Sample Rates
Indicative rates as of today — your actual rate depends on credit, LTV, and property type.
Residential
Investment / DSCR
Commercial
SBA Loans
30-Yr Fixed · Conventional
6.75%
Min 680 FICO · up to 97% LTV
Primary residence
Primary residence
Most Popular
FHA Standard
6.50%
Min 620 FICO · up to 97.75% LTV
Low down payment
Low down payment
First-Time Buyers
15-Yr Fixed · Conventional
6.12%
Min 680 FICO · up to 95% LTV
Faster equity build
Faster equity build
Rate Buy-Down Available
Bank Statement · NonQM
7.25%
Min 620 FICO · up to 90% LTV
12–24 month bank statements
12–24 month bank statements
Self-Employed
5/1 ARM · Jumbo
6.38%
Min 680 FICO · up to $3M
Fixed 5 years then adjusts
Fixed 5 years then adjusts
Jumbo Buyers
Last updated: · Rates are indicative and subject to change without notice.
All rates are for illustrative purposes only and do not constitute a commitment to lend. Actual rate depends on credit profile, loan-to-value, property type, and market conditions. CA DRE #01480904 · NMLS #300923.
No Hard Pull · 60 Seconds
Get Pre-Qualified Now
Answer 4 quick questions — no SSN, no credit pull, no commitment.
What are you looking to do?
This helps us match you with the right loan program and rate range.
Loan Goal
Purchase
Refinance
Cash-Out Refi
Property Type
Primary Home
Investment
Commercial
You're Pre-Qualified!
Based on your profile, you likely qualify for multiple programs. A SI MTG advisor will reach out within 2 business hours with your personalized options and rate range.
Complete Full Application →No credit pull
Results in 2 hours
Zero obligation
About SI MTG
We Coach You Through Every Hurdle
Most lenders just process paperwork. We anticipate problems before they arise — because after 20+ years in the industry, we've seen every challenge and know how to overcome them before they become yours.
Personalized coaching — we prepare you for every obstacle ahead of time
Lowest yield spread — you always receive the most competitive rates available
Fast closings — residential ~15 days, commercial ~50 days on average
Watch & Learn
See How We Work
Short videos explaining our process, loan types, and what to expect at each step.
Who We Are
Our Process
Seminar Preview
No Doc Explained
Click to play — “Who We Are: The SI MTG Story”
Replace thumbnail images and embed URLs via the WordPress Customizer or by editing this template
Every Month · Free to Attend
Education First.
No Pressure. No Sales.
No Pressure. No Sales.
We believe informed borrowers make the best decisions — and the best long-term clients.
Monthly Education
Free Seminars — Learn Before You Borrow
Join our expert-led monthly sessions — no jargon, no hidden agenda, just honest guidance from 20+ years of experience.
Reserve Your Spot →Real Deals, Real Results
Case Studies
Every borrower has a story. Here's how we found solutions when others couldn't.
$1.2M
Bank Statement
6.99%
Closed in 14 days
The Problem
Self-employed restaurant owner — strong revenue but two years of tax write-offs made income appear too low. Bank declined twice.
Our Solution
12-month personal bank statements — $28K/month deposits documented. Secured $1.2M purchase at 6.99%, closed in 14 days.
$2.8M
Commercial
7.25%
Closed in 48 days
The Problem
Foreign national investor — 12-unit apartment purchase in Fremont. No US credit, overseas income only. Three lenders refused to quote.
Our Solution
Foreign National DSCR — qualified on property cash flow, not personal income. 65% LTV, overseas asset verification, closed in 48 days.
$850K
SBA 7(a)
Prime+2.75%
Closed in 42 days
The Problem
First-time gas station buyer — no industry experience on paper, thin working capital. SBA lender said “too risky.”
Our Solution
Coached full SBA packaging — business plan, fuel volume projections, industry comparables. $850K at Prime+2.75%, 25-year term.
$580K
ITIN · NonQM
7.49%
Closed in 22 days
The Problem
ITIN borrower — no SSN, no US credit file. Had been renting 9 years, saving faithfully. Every bank said no. Nearly gave up on homeownership.
Our Solution
ITIN loan with alternative credit — rent history, utilities, 12-month bank statements. 80% LTV, $580K first home. Closed in 22 days.
Why SI MTG
SI MTG vs. Traditional Lenders
Most lenders process loans. We engineer solutions. Here's the difference.
| What Matters to You | Traditional Bank / Lender | SI MTG |
|---|---|---|
| Time to close | 45–90 days typical | 15 days residential · 50 days commercial |
| Loan programs | 5–8 in-house programs | 30+ programs across 50+ lenders |
| Self-employed borrowers | Tax returns required, often declined | Bank statement, P&L, 1099 — no tax returns |
| Borrower coaching | None — you figure it out yourself | Full coaching — we anticipate every obstacle |
| Foreign nationals & ITIN | Almost always declined | Specialized programs — no SSN required |
| Rate competitiveness | One lender's rates — take it or leave it | Lowest yield spread — we shop 50+ lenders |
| Commercial + SBA | Separate depts, separate processes | One team: residential, commercial & SBA |
| Monthly seminars | Never offered | Free monthly seminars for all borrower types |
Get Pre-Qualified in 60 Seconds →
No credit pull · No commitment · Results in 2 hours
Our Ecosystem
Trusted Partner Network
We connect you to the right resource at every stage of your journey.
Residential Listings
Browse homes for sale with our residential real estate partners.
visionaryestates.com →Commercial Properties
Investment and commercial listings, search and acquisition support.
salimiinvestments.com →Gas Station Solutions
Specialized listings and financing for gas stations & C-stores.
gasstationsolution.com →Islamic Finance
Certified Sharia-compliant lenders we personally vet and refer.
View Islamic Lenders →Client Stories
What Our Borrowers Say
★★★★★
“Smoothest refinance ever — 14 days start to finish with a great rate. Truly exceptional service.”
Jawad A.
Refinance
★★★★★
“Amazing — closed in 10 days and got a par rate. I've never experienced anything like it.”
Angel C.
Home Buyer
★★★★★
“Thank you for the commercial deal and a ridiculously good rate. We couldn't be happier.”
Bash N.
Commercial Property
★★★★★
“Helped us buy our home, then refinanced us when rates dropped. Always there for us.”
Ahmad Z.
Home Buyer
Ready to Get Started?
Apply in minutes through our secure portal. Our team reviews your application and reaches out within 24 hours.
1.Apply Online — 5 min
2.We Review & Coach
3.Get Pre-Approved
4.Close Fast
Application secured & encrypted via bilalsalimi.zipforhome.com · CA DRE #01480904 · NMLS #300923