Creative Mortgage Solutions

For Self-Employed Borrowers and Real Estate Investors

From Florida to California, we have alternative lending options
for self-employed and investor borrowers that requires little to no income documentation

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Stable Income? Check.

As a W-2 employee, your consistent paychecks and verifiable employment make qualifying for a mortgage faster and easier. Discover loan options designed for salaried professionals today!

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Financing That Broadens Your Horizon

With over 20 years of mortgage experience, and countless scenarios, our one goal is to provide smarter financing solutions, regardless
of your real estate experience

DSCR (Debt Service Coverage Ratio)

Maximize your portfolio potential with Non-QM loans designed for first time or savvy investors; no tax returns, just smart financing.

Self Employed

Our Self-Employed Non-QM Loans are designed for entrepreneurs, freelancers, and business owners who don’t fit the traditional lending mold. Qualify using bank statements, 1099s, a P&L or asset-based income. No Tax Returns or W2’s Required! 1 Year Self-Employed History Allowed!

Jumbo Loans

Unlock high-value properties with creative jumbo loan solutions up to $5 million; perfect for self-employed borrowers, luxury homebuyers, and investors with unique income streams. We go beyond the traditional box to deliver flexible financing that fits your vision.

Cash-Out Refinance

Consolidate high-interest debt into one low monthly payment; using the equity you’ve already built. Pay off credit cards, personal loans, or medical bills and regain control of your finances with a streamlined, cost-effective
solution backed by competitive conventional rates.

First Time Buyer

Whether you’re eyeing an FHA loan with low down payment options or a Conventional loan with competitive rates, we help first-time home buyers navigate the path to homeownership with confidence. Get expert guidance, flexible financing, and personalized support every step of the way.

VA

With a VA home loan, eligible veterans, active-duty service members, and surviving spouses can buy or refinance with zero down payment, no PMI, and competitive interest rates. Whether you’re purchasing your first home or refinancing, we make the process simple, fast, and tailored to your service.

Need Help With Your Down Payment?

Traditionally the average down payment is 6% and is required to be approved for your mortgage. This could be a very challenging sum of money to save for many.

Thankfully, Horizon Lending Services Has access to programs offering up to and including 100% financing! Reach out to us today to learn more.

We can’t thank Scott Simmons enough for all his help during both our original purchase of our home, as well as our recent refinancing. Scott was able to get us an incredible rate and was extremely detailed and explanatory the entire way. We, of course, had rookie questions being first-time home buyers, but he made himself available to answer and explain any of our questions and made helpful suggestions, as well as great advice given our individual situation. I highly recommend Scott for your mortgage needs!

Sarah Lati

Marcus and HLS went above and beyond the call of duty to get a loan processed in record time and a “clear to close” on Christmas Eve! Highly recommend!!!

David Holmes

Have always had a great experience with Horizon Lending Services. Scott and his team are the BEST! They helped us in 2021 with a refinance of our first home. Then this year they helped us with getting a loan for our property! Scott was patient and always willing to go over everything multiple times to ensure we understood everything. Kept us updated on status’ as well as just to check in.

Samantha Mellott

Just recently had the experience of working with Marcus on a loan for an investment property. Not only did he help me find the lowest cost strategy to purchase the property, he kept me updated, helped jumped through the various hurdles that came up to make sure we didn’t have any delays and the purchase was as smooth as possible. Marcus is an incredible lender and is my go to for any and all loan questions or needs

Richard Berman

Get In Touch

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Fill our the form or shoot us a email at Loans@HorizonLendingServices.com

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If you have any questions or you prefer to speak via the telephone.

972-347-9224

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Martin Weiler

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