Alternative Home Loan Solutions for California & Florida Homeowners

Helping Self-Employed, Small Business Owners & Credit-Worthy Borrowers Qualify Without Traditional Income Proof

In today's evolving housing market, many credit-worthy homeowners in California and Florida are struggling to qualify for loans through traditional lenders - not because they can't afford it, but because their income doesn't fit a standard mold.

If you're self-employed, own a small business, or earn income from seasonal or online work, traditional underwriting can make it difficult to prove your financial strength on paper. That's where Non-QM (Non-Qualified Mortgage) programs come in - especially those offering No Income & No Employment Verification options.

💡 What Is a Non-QM Loan?

A Non-QM Loan is designed for borrowers who don't meet the strict requirements of traditional, government-backed mortgages.

Instead of tax returns and pay stubs, lenders consider your credit history, assets, and property value to determine your ability to repay.

✅ Key Benefits for California & Florida Borrowers:

• No income or employment verification required

• No DTI (Debt-to-Income) calculation

• Loans up to $2 million

  Verify my mortgage eligibility (Nov 11th, 2025)

• Credit scores as low as 660 accepted

• Up to 80% LTV with strong credit (720+) and 12 months reserves

• Cash-out can be used as reserves

  Verify my mortgage eligibility (Nov 11th, 2025)

• Available for primary, secondary, or investment properties

🧮 Who Are These Loans Designed For?

If any of the following sound like you - a Non-QM loan might be your best fit:

🌴 Why This Matters in CA & FL

Both California and Florida have thriving self-employed and entrepreneurial populations.
From tech consultants and creative freelancers in Orange County and Los Angeles to small-business owners and retirees in Miami and Tampa - borrowers here need flexibility, not red tape.

📍 In California:

Rising home prices and limited inventory make flexibility essential. Non-QM loans can help buyers act quickly without waiting for complex documentation.

📍 In Florida:

Many buyers own investment or vacation properties, and traditional lenders may reject them based on debt ratios. With Non-QM programs, qualifying is based on credit and property value, not tax forms.

⚙️ How It Works - Step-by-Step

Step 1️⃣ - Quick Consultation

We'll discuss your goals - purchase, refinance, or cash-out - and confirm your property type.

Step 2️⃣ - Credit & Asset Review

We evaluate your FICO score and available reserves, instead of income statements.

Step 3️⃣ - Tailored Loan Design

You'll receive a custom loan structure based on your property and objectives (bridge, DSCR, or Non-QM).

Step 4️⃣ - Fast Approval & Closing

With simplified documentation, we can close in 10 - 14 days, even for non-traditional borrowers.

🔑 The Elixir Mortgage Lending Advantage

At Elixir Mortgage Lending, we specialize in Non-QM, DSCR, and Bridge Loans for borrowers across California and Florida who need real-world lending solutions.

Why Choose Us:

✅ Decades of experience with non-traditional loans
✅ Access to private and alternative lending channels
✅ Transparent communication, from pre-approval to funding
✅ Programs for self-employed, investors, and entrepreneurs

🏁 Final Thoughts

If traditional banks have turned you away - don't give up.
A Non-QM or No-Income-Verification Loan could be your gateway to buying, refinancing, or leveraging home equity with confidence.

At Elixir Mortgage Lending, we make it possible for hard-working homeowners and investors to secure the funding they deserve - without unnecessary roadblocks.

📍 Serving California, Florida & Nationwide Investors
📞 800.558.0496
🌐 ElixirMortgageLending.com
NMLS #1704105 | BRE #01901050