🏡 Home Loans in California & Florida – Smarter Financing Starts Here
Smart & Flexible Mortgage Solutions for California and Florida Homebuyers and Investors
Verify my mortgage eligibility (Aug 25th, 2025)At Elixir Mortgage Lending, we understand that no two borrowers are the same. Whether you’re buying your dream home in California or investing in a rental property in Florida, our team is committed to making your financing experience smooth, strategic, and stress-free.
Conventional Mortgage Programs
Our conventional loans are ideal for well-qualified buyers looking for great rates and flexible terms:
- Fixed and adjustable-rate options
- Down payments starting at just 3%
- Suitable for primary residences, second homes, and investment properties
Unconventional & Alternative Lending Options
Not every borrower fits inside a traditional lending box. That's why we offer creative loan solutions designed for self-employed, credit-challenged, or asset-rich borrowers:
Verify my mortgage eligibility (Aug 25th, 2025)- Bank Statement Loans - Use 12 - 24 months of business or personal statements to qualify
- Stated Income Loans - No W-2s, pay stubs, or tax returns required
- Asset Depletion Loans - Turn retirement or investment accounts into qualifying income
- 1099-Only Loans - Perfect for gig workers and independent contractors
- No-Ratio Loans - No income or debt-to-income ratio required
- DSCR Loans - Qualify based on rental income, not personal income
- Interest-Only & 40-Year Terms - Lower monthly payments with flexible structuring
Specialized Support for Self-Employed Borrowers
California and Florida have large populations of entrepreneurs, freelancers, and business owners. We're proud to offer tailored solutions that allow you to qualify without traditional tax documents. Our process is fast, clear, and designed with your business lifestyle in mind.
Investment Property Financing Made Simple
Whether you’re buying short-term rentals in Orlando or a multi-unit in Los Angeles, we offer nationwide investment lending programs with:
- Flexible documentation requirements
- Fast approvals
- Options for first-time and seasoned investors alike
Why Choose Elixir Mortgage Lending?
- Local expertise in both CA & FL housing markets
- Transparent, goal-oriented mortgage strategies
- Lightning-fast pre-approvals
- Options for every borrower: W-2, 1099, self-employed, investor
Ready to Start?
Whether you’re purchasing, refinancing, or scaling your real estate portfolio, our team is here to help.
📍 Serving all of California, Florida & select states nationwide
📞 Call 800.558.0496
🌐 Visit ElixirMortgageLending.com
NMLS# 1704105 | BRE# 01901050