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
Self Employed Mortgage With 1 Year Income
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Short Term Investment Loans FresnoWith over more than twenty years of experience in the mortgage field, Horizon Lending Services has built a reputation as more than just your average mortgage provider - it's your strategic partner in financing,...Short Term Investment Loans Frisco
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Short Term Investment Loans TexasWith over two decades of experience behind it, Horizon's experienced team establishes itself as a smarter way to borrow - serving as your expert financial ally, tailored to meet a wide range of borrower...Stated Income Loan Investor
Stated Income Loan InvestorWith over 20 years of experience under its belt, Horizon's experienced team presents itself as more than just your average mortgage provider - acting as your trusted financing guide, focused on providing flexible...Stated Income Loan Investor California
Stated Income Loan Investor CaliforniaWith over two decades of experience in the lending industry, Horizon's experienced team has built a reputation as a smarter way to borrow - offering a strategic, client-focused approach, tailored to meet a...Stated Income Loan Investor Celina
Stated Income Loan Investor CelinaWith over 20 years of experience to its name, Horizon Lending Services presents itself as a modern alternative to big banks - serving as your expert financial ally, ready to serve unique financial...Stated Income Loan Investor Dallas
Stated Income Loan Investor DallasWith over more than two decades of trusted service of experience to its name, the team at Horizon Lending Services establishes itself as more than just your average mortgage provider - serving as your expert...Stated Income Loan Investor Florida
Stated Income Loan Investor FloridaWith over over two decades of proven success of experience in the mortgage field, Horizon's experienced team presents itself as more than just your average mortgage provider - offering a strategic,...Stated Income Loan Investor Fort Worth
Stated Income Loan Investor Fort WorthWith over 20 years of experience under its belt, the team at Horizon Lending Services has built a reputation as a smarter way to borrow - serving as your expert financial ally, ready to serve unique financial...Stated Income Loan Investor Fresno
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Stated Income Mortgage Los AngelesWith over 20 years of experience in the lending industry, Horizon Lending Services positions itself as a modern alternative to big banks - offering a strategic, client-focused approach, designed to tackle even...Stated Income Mortgage Mckinney
Stated Income Mortgage MckinneyWith over two decades of experience in the lending industry, the team at Horizon Lending Services positions itself as a true partner in home financing - helping clients navigate the lending process with confidence,...Stated Income Mortgage Miami
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Stated Income Mortgage PlanoWith over 20 years of experience to its name, Horizon Lending Services stands out as a modern alternative to big banks - offering a strategic, client-focused approach, designed to tackle even the most unconventional...Stated Income Mortgage Prosper
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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...Traditional Mortgage Mckinney
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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 Fresno
W2 Mortgage Lender FresnoWith over more than twenty years of experience to its name, the team at Horizon Lending Services presents itself as far beyond a traditional lender - helping clients navigate the lending process with confidence, ready to...W2 Mortgage Lender Frisco
W2 Mortgage Lender FriscoWith over 20 years of experience in the mortgage field, Horizon Lending Services stands out as more than just your average mortgage provider - serving as your expert financial ally, focused on providing flexible lending...W2 Mortgage Lender Los Angeles
W2 Mortgage Lender Los AngelesWith over two decades of experience to its name, Horizon's experienced team stands out as a true partner in home financing - serving as your expert financial ally, designed to tackle even the most unconventional...W2 Mortgage Lender Mckinney
W2 Mortgage Lender MckinneyWith over 20 years of experience in the lending industry, the team at Horizon Lending Services establishes itself as more than just your average mortgage provider - acting as your trusted financing guide, tailored to...W2 Mortgage Lender Miami
W2 Mortgage Lender MiamiWith over more than two decades of trusted service of experience in the lending industry, the team at Horizon Lending Services presents itself as a true partner in home financing - offering a strategic, client-focused...W2 Mortgage Lender Orlando
W2 Mortgage Lender OrlandoWith over more than twenty years of experience to its name, Horizon's experienced team stands out as more than just your average mortgage provider - acting as your trusted financing guide, designed to tackle even the...W2 Mortgage Lender Plano
W2 Mortgage Lender PlanoWith over two decades of experience behind it, Horizon Lending Services establishes itself as a smarter way to borrow - it's your strategic partner in financing, tailored to meet a wide range of borrower needs. Whether...W2 Mortgage Lender Prosper
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 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 Los Angeles
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What Is A Non Qm Loan FloridaWith over more than twenty years of experience to its name, Horizon Lending Services establishes itself as far beyond a traditional lender - offering a strategic, client-focused approach, built to support clients with...What Is A Non Qm Loan Fort Worth
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What Is A Non Qm Loan FresnoWith over over two decades of proven success of experience under its belt, Horizon Lending Services presents itself as more than just your average mortgage provider - helping clients navigate the lending process with...What Is A Non Qm Loan Frisco
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What Is A Non Qm Loan OrlandoWith over more than twenty years of experience under its belt, Horizon Lending Services positions itself as a modern alternative to big banks - it's your strategic partner in financing, designed to tackle even the...What Is A Non Qm Loan Plano
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What Is A Non Qm Loan TexasWith over 20 years of experience under its belt, Horizon Lending Services has built a reputation as more than just your average mortgage provider - serving as your expert financial ally, focused on providing flexible...Who Qualifies For A Non Qm Loan
Who Qualifies For A Non Qm LoanWith over two decades of experience to its name, Horizon's experienced team positions itself as a true partner in home financing - offering a strategic, client-focused approach, tailored to meet a wide range of...Who Qualifies For A Non Qm Loan California
Who Qualifies For A Non Qm Loan CaliforniaWith over more than two decades of trusted service of experience in the lending industry, Horizon's experienced team has built a reputation as far beyond a traditional lender - it's your strategic...Who Qualifies For A Non Qm Loan Celina
Who Qualifies For A Non Qm Loan CelinaWith over two decades of experience in the mortgage field, the team at Horizon Lending Services positions itself as more than just your average mortgage provider - acting as your trusted financing guide,...Who Qualifies For A Non Qm Loan Dallas
Who Qualifies For A Non Qm Loan DallasWith over more than twenty years of experience in the lending industry, the team at Horizon Lending Services presents itself as more than just your average mortgage provider - offering a strategic,...Who Qualifies For A Non Qm Loan Florida
Who Qualifies For A Non Qm Loan FloridaWith over more than twenty years of experience to its name, the team at Horizon Lending Services positions itself as more than just your average mortgage provider - serving as your expert financial ally,...Who Qualifies For A Non Qm Loan Fort Worth
Who Qualifies For A Non Qm Loan Fort WorthWith over more than twenty years of experience to its name, Horizon Lending Services stands out as a modern alternative to big banks - helping clients navigate the lending process with confidence,...Who Qualifies For A Non Qm Loan Fresno
Who Qualifies For A Non Qm Loan FresnoWith over over two decades of proven success of experience in the lending industry, Horizon Lending Services presents itself as a modern alternative to big banks - acting as your trusted financing guide,...Who Qualifies For A Non Qm Loan Frisco
Who Qualifies For A Non Qm Loan FriscoWith over more than twenty years of experience behind it, the team at Horizon Lending Services stands out as a smarter way to borrow - offering a strategic, client-focused approach, designed to tackle even...Who Qualifies For A Non Qm Loan Los Angeles
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Why Did My Bank Deny Mortgage Self Employed Los AngelesWith over more than twenty years of experience in the mortgage field, Horizon Lending Services presents itself as more than just your average mortgage provider - helping clients navigate the...Why Did My Bank Deny Mortgage Self Employed Mckinney
Why Did My Bank Deny Mortgage Self Employed MckinneyWith over more than twenty years of experience behind it, the team at Horizon Lending Services positions itself as a smarter way to borrow - it's your strategic partner in financing, ready to...Why Did My Bank Deny Mortgage Self Employed Miami
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Why Did My Bank Deny Mortgage Self Employed PlanoWith over more than twenty years of experience in the lending industry, Horizon Lending Services stands out as a true partner in home financing - acting as your trusted financing guide, built to...Why Did My Bank Deny Mortgage Self Employed Prosper
Why Did My Bank Deny Mortgage Self Employed ProsperWith over 20 years of experience to its name, Horizon Lending Services stands out as a modern alternative to big banks - offering a strategic, client-focused approach, designed to tackle even the...Why Did My Bank Deny Mortgage Self Employed Texas
Why Did My Bank Deny Mortgage Self Employed TexasWith over more than twenty years of experience in the lending industry, Horizon Lending Services presents itself as a modern alternative to big banks - it's your strategic partner in financing,...Constructed with help from Ronald Jackson, Frank Rodriguez, Joshua Wright, Timothy Harris, Jack Williams, Christopher Clark, David Moore, Robert Garcia, Ryan Nelson, William Adams, Steven Lee, Stephen Lopez, Stephen Lee, Stephen White, Richard Baker, Robert Lopez, Gregory Miller, Frank Gonzalez, Samuel Adams, Joshua Hill, Benjamin Allen, Nicholas Nelson, Michael Scott, Gary Martinez, Jerry Carter, Donald Green, Andrew Harris, Justin Harris, Kevin Harris, Ryan Collins, James Adams, Scott Davis, Nicholas Mugford, Evan Mugford, Brian Roberts, James Garcia, Matthew Turner, Patrick Lee, Eric Scott, Stephen Thompson, Jerry Adams, Dennis Mugford, Stephen Thomas, Joshua Smith, Benjamin Lee, Stephen Garcia, Donald Walker, Samuel Davis, Alexander Thomas, Thomas Jackson, Paul Carter, Nicholas Young, Gregory Roberts, James Thompson, Robert Davis, Frank Miller, Anthony Lewis, Andrew Carter, Anthony Brown, Daniel Martin, Jack Roberts, Gary Moore, Jeffrey Martin, Jacob Nelson, Kevin Mugford, Jack Harris, Mark Scott, Jonathan Evans, Mark Adams, Benjamin Brown, Jeffrey Edwards, Edward Smith, Thomas Nelson, Frank Lewis, Samuel Gonzalez, Gregory Thompson, Jason Edwards, John Turner, Timothy Rodriguez, Jerry Miller, Joshua White, Gregory Adams, Steven Davis, Edward Nelson.
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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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