Watch & Learn
See How We Work
Short videos explaining our process, loan types, and what to expect at each step.
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Select your goal — we match you with the right program and coach you through every step.
Indicative rates as of today — your actual rate depends on credit, LTV, and property type.
Answer 4 quick questions — no SSN, no credit pull, no commitment. We'll tell you what you qualify for.
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.
Short videos explaining our process, loan types, and what to expect at each step.
Replace thumbnail images and YouTube embed URLs when your videos are ready
Join our expert-led monthly sessions — no jargon, no hidden agenda, just honest guidance from 20+ years of experience in the field.
Every borrower has a story. Here's how we found solutions when others couldn't.
Self-employed restaurant owner — strong revenue but two years of tax write-offs made income appear too low. Bank declined twice.
12-month personal bank statements — $28K/month deposits documented. Secured $1.2M purchase at 6.99%, closed in 14 days.
Foreign national investor — 12-unit apartment purchase in Fremont. No US credit, overseas income only. Three lenders refused to quote.
Foreign National DSCR — qualified on property cash flow, not personal income. 65% LTV, overseas asset verification, closed in 48 days.
First-time gas station buyer — no industry experience on paper, thin working capital. SBA lender said "too risky."
Coached full SBA packaging — business plan, fuel volume projections, industry comparables. $850K at Prime+2.75%, 25-year term.
ITIN borrower — no SSN, no US credit file. Had been renting 9 years, saving faithfully. Every bank said no.
ITIN loan with alternative credit — rent history, utilities, 12-month bank statements. 80% LTV, $580K first home. Closed in 22 days.
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 needed |
| 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 for you |
| Commercial + SBA | Separate depts, separate processes | One team: residential, commercial & SBA |
| Monthly seminars | Never offered | Free monthly seminars for all borrower types |
No credit pull · No commitment · Results in 2 hours
We connect you to the right resource at every stage of your journey.