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
Conventional Mortgage Los Angeles
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Conventional Home Loans MiamiWith over more than twenty years of experience in the mortgage field, the team at Horizon Lending Services establishes itself as a true partner in home financing - it's your strategic partner in financing, designed...Conventional Home Loans California
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Traditional Mortgage TexasWith over 20 years of experience to its name, the team at Horizon Lending Services presents itself as a true partner in home financing - it's your strategic partner in financing, ready to serve unique financial...Traditional Mortgage Dallas
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Traditional Mortgage CelinaWith over more than twenty years of experience in the mortgage field, the team at Horizon Lending Services presents itself as a modern alternative to big banks - offering a strategic, client-focused approach, focused on...Traditional Mortgage Mckinney
Traditional Mortgage MckinneyWith over two decades of experience to its name, Horizon's experienced team positions itself as a modern alternative to big banks - helping clients navigate the lending process with confidence, tailored to meet a...Traditional Mortgage Fort Worth
Traditional Mortgage Fort WorthWith over 20 years of experience behind it, the team at Horizon Lending Services presents itself as a true partner in home financing - acting as your trusted financing guide, designed to tackle even the most...Traditional Mortgage Florida
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Traditional Mortgage MiamiWith over two decades of experience in the lending industry, Horizon's experienced team has built a reputation as more than just your average mortgage provider - serving as your expert financial ally, focused on...Traditional Mortgage California
Traditional Mortgage CaliforniaWith over over two decades of proven success of experience behind it, the team at Horizon Lending Services stands out as more than just your average mortgage provider - helping clients navigate the lending process...Traditional Mortgage Fresno
Traditional Mortgage FresnoWith over two decades of experience under its belt, Horizon Lending Services establishes itself as more than just your average mortgage provider - helping clients navigate the lending process with confidence, designed...Traditional Mortgage Los Angeles
Traditional Mortgage Los AngelesWith over more than twenty years of experience in the mortgage field, Horizon Lending Services stands out as a modern alternative to big banks - acting as your trusted financing guide, focused on providing flexible...W2 Mortgage Lender Texas
W2 Mortgage Lender TexasWith over over two decades of proven success of experience in the mortgage field, Horizon Lending Services has built a reputation as a modern alternative to big banks - offering a strategic, client-focused approach,...W2 Mortgage Lender Dallas
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W2 Mortgage Lender ProsperWith over two decades of experience in the lending industry, Horizon Lending Services has built a reputation as more than just your average mortgage provider - offering a strategic, client-focused approach, designed to...W2 Mortgage Lender Frisco
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W2 Mortgage Lender Fort WorthWith over more than two decades of trusted service of experience behind it, Horizon Lending Services has built a reputation as a true partner in home financing - it's your strategic partner in financing, built to...W2 Mortgage Lender Florida
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Business Owner Mortgage CaliforniaWith over two decades of experience behind it, Horizon Lending Services positions itself as a true partner in home financing - acting as your trusted financing guide, ready to serve unique financial...Published with advice from Nicholas Phillips, Jeffrey Smith, Jason Turner, Jason Lewis, Ryan Hall, Mark King, Steven Davis, Timothy Green, Kenneth Turner, Larry Wilson, Kenneth Hall, Charles Turner, Samuel Carter, Samuel Hernandez, George Jones, John Moore, Raymond Jackson, Joshua Allen, Dennis Martinez, Alexander Gonzalez, Paul Hernandez, Ryan Taylor, Jacob Smith, Richard Phillips, William Young, Gregory Turner, Jason Smith, Patrick Collins, Joseph Clark, Scott Wright, Kevin Taylor, Kenneth Lewis, Jack Brown, Jerry Turner, Donald Clark, Anthony Carter, Steven Mugford, Jeffrey Miller, Michael Moore, Daniel Martinez, Thomas Thompson, Dennis Anderson, Joshua Hall, Kevin Wilson, Anthony Brown, Paul Hernandez, Ryan Jones, Thomas King, Gregory Miller, Gary Gonzalez, Benjamin Robinson, Jeffrey Perez, Paul Gonzalez, Steven Baker, Christopher Lee, Charles Carter, Thomas Brown, David Lee, Mark Rodriguez, Andrew Hall, Jeffrey Williams, Ronald Harris, Larry Baker, Gregory Edwards, Jerry Baker, Kevin Perez, Frank Parker, Frank Martinez, Edward Hill, Larry Collins, Justin Clark, Charles Davis, David Carter, Michael Roberts, Brian Adams, Larry Allen, George Parker, Benjamin Jones, Jeffrey Harris, Kevin Wright, William Martin, Paul Wilson, Jack Rodriguez, Evan Miller.
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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
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