Loan Programs
Two practices, one standard of care.
Half my clients are buying their first home. The other half bring files that banks struggle with: self-employed income, stock compensation, jumbo price points, rental portfolios. Both get the same thing: every option on the table, explained until it’s clear.
Conventional
The loan most salaried buyers end up with, and the yardstick I measure every other program against. Fixed and adjustable, purchase and refinance, up to the higher loan limits Santa Clara County is allowed.
Learn more →Jumbo & Super-Jumbo
Around here, prices clear the conforming limit long before the house looks expensive. Financing above those limits for Silicon Valley price points — including qualification on RSU and stock-based compensation, on select programs for qualified borrowers.
Learn more →Self-Employed & Bank Statement
Your tax returns are written to lower your tax bill, which is exactly why they’re a poor picture of what you earn. On select programs, business owners, freelancers and 1099 earners can qualify on bank statements, a CPA-prepared P&L, or assets instead.
Learn more →Investment Property & DSCR
Every financed property makes the next one harder to qualify for on personal income. Purchase and cash-out financing for rentals, including DSCR programs that qualify on the property’s own income rather than your tax returns.
Learn more →First-Time Buyers
The part nobody explains is what any of it actually means. I take first-time buyers through the whole process in order, at your pace, with low down payment options where they fit. Bring every question you have; that’s what the first conversation is for.
Learn more →Home Equity & HELOC
If you locked a low rate on your first mortgage, there’s no reason to give it up. A home equity line or loan sits behind it and leaves that rate exactly where it is. Lines up to 90% of your home’s value, counting both loans, on select programs for qualified borrowers.
Explore home equity →Not sure which one is yours?
- Salaried, straightforward paperworkConventional
- Price above the Santa Clara County loan limit, or paid partly in stockJumbo
- You own a business, freelance, or get a 1099Self-employed
- Buying or refinancing a rentalInvestment & DSCR
- First home, and you want it explainedFirst-time buyers
- You already have a low rate and want to use your equityHome equity
Most people fit two of these. That’s what the first conversation sorts out.
Next step
Let’s talk through your scenario.
Tell me where you are: a house you’ve seen, a decline letter from a bank, or just a question. I’ll tell you plainly what’s possible and what it would take.
- Phone(408) 800-6591
- Emailmehdi@mehdikousha.com
- ServingSan Jose · Morgan Hill · Gilroy
& the greater Bay Area
Conversations available in English and Farsi. گفتوگو به زبان فارسی.