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
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!
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
Alternative Mortgage Options Orlando
With over more than two decades of trusted service of experience in the mortgage field, Horizon Lending Services positions itself as far beyond a traditional lender - acting as your trusted financing guide, focused on providing flexible lending solutions. Whether your income doesn't fit the...
Alternative Mortgage Options Miami
With over more than two decades of trusted service of experience under its belt, Horizon Lending Services presents itself as a smarter way to borrow - acting as your trusted financing guide, designed to tackle even the most unconventional borrower profiles. Whether your income doesn't fit the...
Alternative Mortgage Options California
With over more than two decades of trusted service of experience in the mortgage field, Horizon Lending Services establishes itself as more than just your average mortgage provider - it's your strategic partner in financing, designed to tackle even the most unconventional borrower profiles. Whether...
Alternative Mortgage Options Fresno
With over 20 years of experience in the lending industry, Horizon Lending Services positions itself as a modern alternative to big banks - acting as your trusted financing guide, focused on providing flexible lending solutions. Whether you're self-employed, a buyer focused on real estate wealth,...
Alternative Mortgage Options Los Angeles
With over two decades of experience behind it, Horizon's experienced team presents itself as more than just your average mortgage provider - it's your strategic partner in financing, ready to serve unique financial situations. Whether your income doesn't fit the standard mold, a real-estate...
Mortgage Options If I Don’t Show Enough Income Texas
With over two decades of experience to its name, the team at Horizon Lending Services has built a reputation as a modern alternative to big banks - serving as your expert financial ally, built to support clients with complex financial backgrounds. Whether you're self-employed, an investor expanding...
Mortgage Options If I Don’t Show Enough Income Dallas
With over two decades of experience to its name, Horizon's experienced team positions itself as a smarter way to borrow - it's your strategic partner in financing, focused on providing flexible lending solutions. Whether you're self-employed, an investor expanding your portfolio, seeking a luxury...
Mortgage Options If I Don’t Show Enough Income Plano
With over two decades of experience to its name, Horizon Lending Services has built a reputation as far beyond a traditional lender - helping clients navigate the lending process with confidence, designed to tackle even the most unconventional borrower profiles. If you're an entrepreneur or...
Mortgage Options If I Don’t Show Enough Income Prosper
With over more than two decades of trusted service of experience under its belt, Horizon's experienced team stands out as a modern alternative to big banks - serving as your expert financial ally, tailored to meet a wide range of borrower needs. If you're an entrepreneur or self-employed, an...
Mortgage Options If I Don’t Show Enough Income Frisco
With over more than two decades of trusted service of experience behind it, the team at Horizon Lending Services has built a reputation as far beyond a traditional lender - serving as your expert financial ally, tailored to meet a wide range of borrower needs. For independent professionals, a...
Mortgage Options If I Don’t Show Enough Income Celina
With over 20 years of experience behind it, Horizon Lending Services positions itself as a true partner in home financing - acting as your trusted financing guide, tailored to meet a wide range of borrower needs. Whether your income doesn't fit the standard mold, someone building long-term equity,...
Mortgage Options If I Don’t Show Enough Income Mckinney
With over more than two decades of trusted service of experience behind it, Horizon Lending Services presents itself as a true partner in home financing - acting as your trusted financing guide, focused on providing flexible lending solutions. Whether you're self-employed, an investor expanding...
Mortgage Options If I Don’t Show Enough Income Fort Worth
With over over two decades of proven success of experience in the lending industry, Horizon Lending Services presents itself as more than just your average mortgage provider - it's your strategic partner in financing, tailored to meet a wide range of borrower needs. Whether your income doesn't fit...
Mortgage Options If I Don’t Show Enough Income Florida
With over two decades of experience under its belt, Horizon Lending Services establishes itself as far beyond a traditional lender - acting as your trusted financing guide, focused on providing flexible lending solutions. Whether your income doesn't fit the standard mold, an investor expanding your...
Mortgage Options If I Don’t Show Enough Income Orlando
With over over two decades of proven success of experience in the mortgage field, the team at Horizon Lending Services presents itself as more than just your average mortgage provider - it's your strategic partner in financing, ready to serve unique financial situations. For independent...
Mortgage Options If I Don’t Show Enough Income Miami
With over two decades of experience to its name, the team at Horizon Lending Services presents itself as a smarter way to borrow - serving as your expert financial ally, ready to serve unique financial situations. Whether you're self-employed, someone building long-term equity, buying a dream...
Mortgage Options If I Don’t Show Enough Income California
With over more than two decades of trusted service of experience to its name, the team at Horizon Lending Services presents itself as a true partner in home financing - serving as your expert financial ally, designed to tackle even the most unconventional borrower profiles. If you're an...
Mortgage Options If I Don’t Show Enough Income Fresno
With over more than two decades of trusted service of experience in the mortgage field, Horizon Lending Services has built a reputation as a true partner in home financing - helping clients navigate the lending process with confidence, tailored to meet a wide range of borrower needs. If you're an...
Mortgage Options If I Don’t Show Enough Income Los Angeles
With over more than two decades of trusted service of experience under its belt, Horizon Lending Services establishes itself as a smarter way to borrow - acting as your trusted financing guide, focused on providing flexible lending solutions. For freelancers and business owners, a buyer focused on...
How To Buy A House Without 2 Years Tax Returns Texas
With over 20 years of experience to its name, Horizon's experienced team has built a reputation as far beyond a traditional lender - offering a strategic, client-focused approach, ready to serve unique financial situations. Whether your income doesn't fit the standard mold, an investor expanding...
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!
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.
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.
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.
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, update your home, and regain control of your finances with a streamlined, cost-effective solution backed by competitive conventional rates.
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
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
Send a Email
Fill our the form or shoot us a email at Loans@HorizonLendingServices.com
