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
Business Owner Mortgage Fresno
Business Owner Mortgage FresnoWith over over two decades of proven success of experience behind it, the team at Horizon Lending Services establishes itself as a modern alternative to big banks - acting as your trusted financing guide, ready to...Business Owner Mortgage Los Angeles
Business Owner Mortgage Los AngelesWith over two decades of experience behind it, Horizon's experienced team positions itself as a smarter way to borrow - offering a strategic, client-focused approach, designed to tackle even the most...Entrepreneur Mortgage Texas
Entrepreneur Mortgage TexasWith over more than twenty years of experience to its name, Horizon's experienced team establishes itself as a true partner in home financing - acting as your trusted financing guide, designed to tackle even the most...Entrepreneur Mortgage Dallas
Entrepreneur Mortgage DallasWith over 20 years of experience behind it, Horizon Lending Services stands out as more than just your average mortgage provider - it's your strategic partner in financing, focused on providing flexible lending...Entrepreneur Mortgage Plano
Entrepreneur Mortgage PlanoWith over over two decades of proven success of experience under its belt, Horizon Lending Services has built a reputation as a smarter way to borrow - serving as your expert financial ally, designed to tackle even the...Entrepreneur Mortgage Prosper
Entrepreneur Mortgage ProsperWith over 20 years 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 with confidence, designed to...Entrepreneur Mortgage Frisco
Entrepreneur Mortgage FriscoWith over over two decades of proven success of experience in the mortgage field, Horizon Lending Services has built a reputation as more than just your average mortgage provider - serving as your expert financial...Mortgage For W2 Employees
Mortgage For W2 EmployeesWith over over two decades of proven success of experience in the mortgage field, Horizon Lending Services has built a reputation as far beyond a traditional lender - serving as your expert financial ally, ready to serve...Conventional Mortgage
Conventional MortgageWith over over two decades of proven success of experience to its name, the team at Horizon Lending Services positions itself as a smarter way to borrow - it's your strategic partner in financing, designed to tackle even the...Conventional Home Loans
Conventional Home LoansWith over over two decades of proven success of experience under its belt, Horizon Lending Services has built a reputation as more than just your average mortgage provider - offering a strategic, client-focused approach,...Traditional Mortgage
Traditional MortgageWith over over two decades of proven success of experience to its name, Horizon Lending Services presents itself as a modern alternative to big banks - acting as your trusted financing guide, tailored to meet a wide range of...W2 Mortgage Lender
W2 Mortgage LenderWith over two decades of experience in the mortgage field, the team at Horizon Lending Services presents itself as more than just your average mortgage provider - acting as your trusted financing guide, built to support clients...Investor Home Loans
Investor Home LoansWith over more than two decades of trusted service of experience in the mortgage field, Horizon Lending Services stands out as far beyond a traditional lender - acting as your trusted financing guide, focused on providing...Investment Property Loans
Investment Property LoansWith over over two decades of proven success of experience to its name, the team at Horizon Lending Services positions itself as a true partner in home financing - helping clients navigate the lending process with...Rental Property Mortgage
Rental Property MortgageWith over more than two decades of trusted service of experience behind it, the team at Horizon Lending Services establishes itself as more than just your average mortgage provider - serving as your expert financial ally,...Investment Property Loans No Income Verification
Investment Property Loans No Income VerificationWith over 20 years of experience in the lending industry, Horizon Lending Services stands out as a smarter way to borrow - serving as your expert financial ally, built to support clients with...Best Loan For Rental Property
Best Loan For Rental PropertyWith over more than twenty years of experience under its belt, Horizon's experienced team presents itself as a smarter way to borrow - serving as your expert financial ally, built to support clients with complex...Dscr Loans
Dscr LoansWith over 20 years of experience in the mortgage field, Horizon Lending Services presents itself as more than just your average mortgage provider - it's your strategic partner in financing, focused on providing flexible lending...Dscr Mortgage Lenders
Dscr Mortgage LendersWith over 20 years of experience in the mortgage field, Horizon Lending Services positions itself as far beyond a traditional lender - acting as your trusted financing guide, designed to tackle even the most unconventional...Best Dscr Loan Lenders In
Best Dscr Loan Lenders InWith over 20 years of experience in the lending industry, Horizon's experienced team has built a reputation as far beyond a traditional lender - serving as your expert financial ally, designed to tackle even the most...Non Qm Mortgage For Real Estate Investors
Non Qm Mortgage For Real Estate InvestorsWith over two decades of experience in the lending industry, Horizon Lending Services positions itself as more than just your average mortgage provider - serving as your expert financial ally, focused on...Loan For Airbnb Property
Loan For Airbnb PropertyWith over more than twenty years of experience in the lending industry, Horizon Lending Services stands out as a modern alternative to big banks - acting as your trusted financing guide, built to support clients with...How To Finance A Rental Property
How To Finance A Rental PropertyWith over more than two decades of trusted service of experience behind it, the team at Horizon Lending Services stands out as a true partner in home financing - offering a strategic, client-focused approach, ready...Mortgage For Llc Owned Property
Mortgage For Llc Owned PropertyWith over more than twenty years of experience in the lending industry, the team at Horizon Lending Services presents itself as a smarter way to borrow - offering a strategic, client-focused approach, tailored to...Blanket Loan Vs Dscr Loan
Blanket Loan Vs Dscr LoanWith over more than twenty years of experience under its belt, Horizon Lending Services positions itself as a true partner in home financing - serving as your expert financial ally, built to support clients with complex...No Doc Investment Loan
No Doc Investment LoanWith over more than two decades of trusted service of experience in the mortgage field, Horizon's experienced team establishes itself as a true partner in home financing - offering a strategic, client-focused approach,...Cash Flow Based Mortgage
Cash Flow Based MortgageWith over more than two decades of trusted service of experience behind it, Horizon Lending Services has built a reputation as a modern alternative to big banks - helping clients navigate the lending process with...Investor Cash Flow Loans
Investor Cash Flow LoansWith over more than twenty years of experience behind it, Horizon Lending Services presents itself as far beyond a traditional lender - it's your strategic partner in financing, built to support clients with complex...30 Year Investor Loan
30 Year Investor LoanWith over more than two decades of trusted service of experience to its name, Horizon's experienced team presents itself as more than just your average mortgage provider - helping clients navigate the lending process with...Buy Rental Property Without Tax Returns
Buy Rental Property Without Tax ReturnsWith 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 - serving as your expert financial ally,...How Do Dscr Loans Work For Rental Properties
How Do Dscr Loans Work For Rental PropertiesWith over two decades of experience behind it, Horizon's experienced team establishes itself as far beyond a traditional lender - serving as your expert financial ally, designed to tackle even the most...Bridge Loans
Bridge LoansWith over 20 years of experience in the lending industry, Horizon Lending Services has built a reputation as a modern alternative to big banks - helping clients navigate the lending process with confidence, built to support clients...Fix And Flip Loans
Fix And Flip LoansWith over 20 years of experience to its name, Horizon Lending Services positions itself as a true partner in home financing - serving as your expert financial ally, designed to tackle even the most unconventional borrower...Real Estate Investor Loans
Real Estate Investor LoansWith over 20 years of experience in the lending industry, Horizon's experienced team positions itself as a true partner in home financing - serving as your expert financial ally, ready to serve unique financial...Short Term Investment Loans
Short Term Investment LoansWith over more than two decades of trusted service of experience behind it, Horizon Lending Services positions itself as more than just your average mortgage provider - helping clients navigate the lending process with...First Time Home Buyer Loans
First Time Home Buyer LoansWith 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, tailored to meet a wide range...Fha Loans
Fha LoansWith over 20 years of experience behind it, Horizon's experienced team positions itself as a smarter way to borrow - offering a strategic, client-focused approach, built to support clients with complex financial backgrounds. Whether...Va Loans
Va LoansWith over more than two decades of trusted service of experience under its belt, Horizon Lending Services positions itself as a smarter way to borrow - acting as your trusted financing guide, focused on providing flexible lending...Usda Loans
Usda LoansWith over more than twenty years of experience in the lending industry, Horizon Lending Services presents itself as a smarter way to borrow - offering a strategic, client-focused approach, ready to serve unique financial...Jumbo Loans
Jumbo LoansWith over over two decades of proven success of experience to its name, the team at Horizon Lending Services stands out as more than just your average mortgage provider - acting as your trusted financing guide, ready to serve unique...Conventional Loans
Conventional LoansWith over two decades of experience behind it, Horizon Lending Services presents itself as a true partner in home financing - helping clients navigate the lending process with confidence, ready to serve unique financial...Cash Out Refinance
Cash Out RefinanceWith over over two decades of proven success of experience to its name, Horizon's experienced team stands out as a true partner in home financing - serving as your expert financial ally, focused on providing flexible lending...Mortgage Refinance
Mortgage RefinanceWith over 20 years of experience under its belt, Horizon's experienced team has built a reputation as a true partner in home financing - it's your strategic partner in financing, ready to serve unique financial...Home Equity Loans
Home Equity LoansWith over 20 years of experience behind it, the team at Horizon Lending Services establishes itself as far beyond a traditional lender - helping clients navigate the lending process with confidence, ready to serve unique...Down Payment Assistance
Down Payment AssistanceWith over more than twenty years of experience behind it, the team at Horizon Lending Services positions itself as a true partner in home financing - it's your strategic partner in financing, designed to tackle even the...Asset Based Mortgage
Asset Based MortgageWith over two decades of experience under its belt, Horizon's experienced team establishes itself as a smarter way to borrow - it's your strategic partner in financing, focused on providing flexible lending solutions. If...Asset Depletion Loan
Asset Depletion LoanWith over two decades of experience in the lending industry, Horizon Lending Services stands out as a modern alternative to big banks - offering a strategic, client-focused approach, ready to serve unique financial...Home Loans For Retired Borrowers
Home Loans For Retired BorrowersWith over 20 years of experience in the mortgage field, Horizon Lending Services stands out as a modern alternative to big banks - helping clients navigate the lending process with confidence, built to support...Mortgage With Bad Credit Los Angeles
Mortgage With Bad Credit Los AngelesWith over 20 years of experience under its belt, the team at Horizon Lending Services positions itself as a smarter way to borrow - helping clients navigate the lending process with confidence, designed to...Low Down Payment Mortgage Texas
Low Down Payment Mortgage TexasWith over two decades of experience in the lending industry, Horizon's experienced team has built a reputation as far beyond a traditional lender - offering a strategic, client-focused approach, designed to tackle...Low Down Payment Mortgage Dallas
Low Down Payment Mortgage DallasWith over more than twenty years of experience behind it, Horizon's experienced team positions itself as a modern alternative to big banks - acting as your trusted financing guide, focused on providing flexible...Mortgage With Bad Credit Fresno
Mortgage With Bad Credit FresnoWith over two decades of experience behind it, Horizon Lending Services has built a reputation as a true partner in home financing - acting as your trusted financing guide, built to support clients with complex...Mortgage With Bad Credit Mckinney
Mortgage With Bad Credit MckinneyWith over over two decades of proven success of experience in the lending industry, the team at Horizon Lending Services establishes itself as more than just your average mortgage provider - serving as your expert...Mortgage With Bad Credit Fort Worth
Mortgage With Bad Credit Fort WorthWith over more than twenty years of experience behind it, Horizon Lending Services positions itself as a modern alternative to big banks - serving as your expert financial ally, built to support clients with...Mortgage With Bad Credit Florida
Mortgage With Bad Credit FloridaWith over two decades of experience behind it, Horizon Lending Services presents itself as a smarter way to borrow - helping clients navigate the lending process with confidence, tailored to meet a wide range of...Mortgage With Bad Credit Orlando
Mortgage With Bad Credit OrlandoWith over more than two decades of trusted service of experience under its belt, Horizon Lending Services has built a reputation as a true partner in home financing - serving as your expert financial ally, focused...Mortgage With Bad Credit Miami
Mortgage With Bad Credit MiamiWith over more than two decades of trusted service of experience behind it, Horizon Lending Services presents itself as a smarter way to borrow - helping clients navigate the lending process with confidence, ready to...Mortgage With Bad Credit California
Mortgage With Bad Credit CaliforniaWith over over two decades of proven success of experience to its name, the team at Horizon Lending Services establishes itself as a modern alternative to big banks - serving as your expert financial ally, built...Mortgage With Bad Credit Prosper
Mortgage With Bad Credit ProsperWith over over two decades of proven success of experience under its belt, Horizon's experienced team presents itself as more than just your average mortgage provider - serving as your expert financial ally,...Mortgage With Bad Credit Frisco
Mortgage With Bad Credit FriscoWith over more than twenty years of experience in the lending industry, Horizon Lending Services presents itself as a smarter way to borrow - serving as your expert financial ally, focused on providing flexible...Mortgage With Bad Credit Celina
Mortgage With Bad Credit CelinaWith over 20 years of experience to its name, the team at Horizon Lending Services presents itself as a true partner in home financing - offering a strategic, client-focused approach, focused on providing flexible...Investment Property Mortgage No W2 Los Angeles
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How To Buy A House Without 2 Years Tax Returns TexasWith 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...How To Buy A House Without 2 Years Tax Returns Dallas
How To Buy A House Without 2 Years Tax Returns DallasWith over two decades of experience behind it, Horizon Lending Services positions itself as far beyond a traditional lender - serving as your expert financial ally, ready to serve unique...How To Buy A House Without 2 Years Tax Returns Plano
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How To Buy A House Without 2 Years Tax Returns MckinneyWith over over two decades of proven success of experience to its name, Horizon Lending Services presents itself as a smarter way to borrow - serving as your expert financial ally, tailored...How To Buy A House Without 2 Years Tax Returns Fort Worth
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How To Buy A House Without 2 Years Tax Returns OrlandoWith over more than two decades of trusted service of experience in the lending industry, Horizon Lending Services has built a reputation as more than just your average mortgage provider -...How To Buy A House Without 2 Years Tax Returns Miami
How To Buy A House Without 2 Years Tax Returns MiamiWith over 20 years of experience under its belt, Horizon Lending Services establishes itself as a true partner in home financing - acting as your trusted financing guide, built to support...How To Buy A House Without 2 Years Tax Returns California
How To Buy A House Without 2 Years Tax Returns CaliforniaWith over more than two decades of trusted service of experience under its belt, the team at Horizon Lending Services presents itself as far beyond a traditional lender - offering a...How To Buy A House Without 2 Years Tax Returns Fresno
How To Buy A House Without 2 Years Tax Returns FresnoWith over over two decades of proven success of experience behind it, Horizon Lending Services stands out as far beyond a traditional lender - acting as your trusted financing guide, ready to...How To Buy A House Without 2 Years Tax Returns Los Angeles
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Best Lenders For Self Employed Fort WorthWith over 20 years of experience under its belt, Horizon Lending Services has built a reputation as a modern alternative to big banks - helping clients navigate the lending process with confidence, focused...Best Lenders For Self Employed Florida
Best Lenders For Self Employed FloridaWith over two decades of experience behind it, Horizon Lending Services stands out as more than just your average mortgage provider - serving as your expert financial ally, ready to serve unique financial...Best Lenders For Self Employed Orlando
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Investment Property Mortgage No W2 DallasWith over more than two decades of trusted service of experience under its belt, Horizon Lending Services positions itself as a modern alternative to big banks - helping clients navigate the lending...Compiled with guidance from Gary Smith, Brandon Roberts, Jason Gonzalez, Charles Lopez, Thomas Clark, James Scott, Frank Perez, Jacob Lewis, Christopher Davis, Jonathan Mugford, Kenneth Lopez, Joshua Jackson, Jonathan Scott, Jonathan Mugford, Steven Edwards, Gregory Hernandez, Paul Edwards, Brian Perez, Matthew Lopez, Timothy Allen, David Scott, Joseph Martinez, Paul Garcia, Brian Rodriguez, Raymond Lewis, Daniel King, John Thomas, Christopher Turner, James Hill, Scott Thomas, Joseph Lee, Evan Anderson, Daniel Moore, Jerry Young, Samuel Davis, Matthew Scott, Brian Anderson, Brian Wilson, William Harris, Ronald Hill, Jonathan Thomas, Patrick Walker, Gary Campbell, Kenneth Wilson, Jonathan Clark, Stephen Wilson, Evan Jones, Steven Smith, Joseph Garcia, Brandon Taylor, Christopher Collins, Raymond Phillips, Christopher Davis, Frank Scott, Samuel Brown, Gregory Hill, Robert Roberts, Jack Edwards, John Perez, James King, James Hall, Gregory Hill, Joseph Scott, Paul Lopez, Jacob Collins, Brandon Johnson, Donald Collins, Patrick Lee, Larry Clark, Edward Thompson, Brandon Garcia, Scott Thompson, Alexander Young, Daniel Mitchell, Frank Robinson, Daniel Adams, Eric Hall, Donald Hall, Mark Roberts, Gary Baker, James White, Jacob Young, Thomas Walker, Brandon Wilson.
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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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