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
Mortgage Broker Prosper
A mortgage broker in Prosper helps you find financing when traditional lenders say no - especially if you're self-employed, run a business, or earn income that doesn't fit standard W-2 documentation. Horizon Lending Services specializes in exactly this work across Texas, California, Florida, and beyond, offering creative solutions for borrowers who don't fit conventional lending boxes.
Prosper is home to entrepreneurs, freelancers, real estate investors, and business owners who know their income is real - but proving it to a bank feels impossible. If you've tried conventional mortgage lenders and hit walls because of how you earn money, working with an experienced mortgage broker in Prosper changes everything. You're not rejected; you're redirected toward lenders who understand your situation.
How a Mortgage Broker in Prosper Serves Non-Traditional Borrowers
Horizon Lending Services matches you with lenders who use alternative underwriting. Instead of requiring two years of tax returns and W-2s, they work with bank statements, profit-and-loss statements, asset documentation, and business bank account history. This approach works for:
- Self-employed professionals and freelancers
- Real estate investors buying income properties
- Business owners with variable income
- High-net-worth individuals with complex finances
- Veterans seeking VA loan options
- First-time buyers with non-standard income
Because traditional underwriting relies on predictable W-2 income, self-employed borrowers in Prosper often face rejection despite strong credit and assets. A mortgage broker in Prosper who understands non-QM loans knows which lenders accept bank statement documentation, DSCR (Debt Service Coverage Ratio) analysis for investment properties, and asset-based qualification. With over 20 years of mortgage experience, Horizon Lending Services has built relationships with lenders willing to look beyond the standard playbook.
Key Loan Options Available Through Your Mortgage Broker in Prosper
Horizon Lending Services offers several loan programs designed for borrowers in Prosper and across multiple states who need flexibility:
| Loan Type | Best For | Documentation Style |
|---|---|---|
| Bank Statement / 1099 Loans | Self-employed, freelancers, contractors | 12-24 months bank statements instead of tax returns |
| DSCR Investment Property Loans | Real estate investors buying rental or commercial property | Property income documented through rent rolls or leases |
| Asset-Based Loans | High-net-worth borrowers, business owners | Liquid assets, retirement accounts, investment portfolios |
| Jumbo Loans up to $5 Million | Luxury home buyers, large investment acquisitions | Flexible - combines multiple documentation methods |
| VA and Conventional Loans | Veterans, W-2 employees, first-time buyers | Standard employment and income verification |
Each loan type serves a specific borrower profile. If you own rental properties in Prosper, a DSCR loan lets you qualify based on the property's income, not your personal tax returns. If you closed three business ventures and started a fourth, bank statement documentation captures your current earning power in a way tax returns cannot. Jumbo financing removes the conventional loan limits that constrain high-value purchases in Prosper's competitive real estate market.
Why Prosper Borrowers Choose an Experienced Mortgage Broker
Working with a local mortgage broker in Prosper versus going directly to a bank creates real advantages. Banks typically offer one or two loan programs - take it or walk away. A broker like Horizon Lending Services accesses multiple lenders, each with different appetites for risk, documentation styles, and borrower profiles. This means your situation - whether you're a contractor, investor, or entrepreneur in Prosper - gets presented to lenders most likely to approve it.
Brokers also handle the complexity of non-traditional lending. You provide your financial story; your broker translates it into the language each lender speaks. Tax returns, business bank statements, personal bank statements, profit-and-loss reports, rent rolls, asset lists - your broker organizes this into a compelling application. Because Horizon Lending Services works across multiple states including Texas, California, and Florida, they understand regional differences in lending practices and investor preferences.
The result: faster decisions, higher approval rates, and better terms for borrowers who wouldn't qualify through conventional channels.
If you're self-employed, investing in real estate, or earning income in ways that don't fit a traditional W-2 mold, reaching out to Horizon Lending Services makes sense. They work with borrowers throughout Prosper and nationwide to find financing solutions tailored to how you actually earn. A short conversation can clarify which loan program fits your situation and what documentation you'll need to move forward.
Frequently Asked Questions
What types of income can a mortgage broker in Prosper verify for self-employed borrowers?
A mortgage broker in Prosper working with non-QM lenders can verify income through 12-24 months of personal and business bank statements, profit-and-loss statements, CPA letters, business tax returns, and in some cases 1099 forms or Schedule C documentation. This flexibility allows self-employed borrowers to qualify based on actual cash flow rather than requiring consistent income history on tax returns.
Can I get a mortgage in Prosper if I own rental properties but my personal income is low?
Yes. DSCR loans through a mortgage broker like Horizon Lending Services allow you to qualify based on the rental property's income, not your personal income. The lender evaluates whether the property's rent covers the mortgage, property taxes, insurance, and maintenance - a process called debt service coverage ratio analysis.
How long does it take to get approved through a mortgage broker in Prosper?
Timeline varies depending on loan type and documentation completeness. Bank statement and DSCR loans typically move faster than conventional loans because lenders focus on cash flow and assets rather than employment verification. Horizon Lending Services can give you a specific estimate after reviewing your financial situation.
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
