A Clearer Way to Qualify for a Home Loan in Southern California
— Without Relying On Tax Returns Alone
A free, on-demand 10-minute training for borrowers with non-traditional or complex income
Los Angeles • Orange County • San Diego
In this short training, you'll discover:
✓ How borrowers qualify using real income — beyond what tax returns alone show
✓ The lender-approved documentation that works for non-traditional income (including variable or commission-based W2 structures)
✓ How deposits, cash flow, or property income are evaluated
✓ Why many Southern California borrowers qualify faster than they realize
2:32 PM PST
Instant Access — Free Training
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Licensed Mortgage Professional - NMLS 1064309 (CA, HI, AZ)
Why These Programs Work for Real SoCal Income
Traditional lenders rely heavily on tax returns only — which can misrepresent real income for self-employed, 1099, gig workers, or anyone with heavy write-offs.
These “common sense” loan programs look at how you actually earn, not what you deduct.
Here's why they work:
✓ They recognize real-world income patterns
✓ They qualify based on cash flow instead of deductions
✓ They’re designed for higher-cost markets like Southern California
Meet Your Presenter — Mitch Chang
• Mortgage advisor licensed in CA, HI, AZ
• Specialist in self-employed borrowers
• Experience with complex income situations
• Dedicated to helping SoCal borrowers qualify fairly
Recent SoCal Client Success Stories (Real Approvals)
Los Angeles Contractor
Approved for a home purchase using 12 months of bank statements after two banks denied him due to low taxable income.
San Diego Realtor
Qualified for a cash out refinance using only rental property cash flow - no tax returns required.
Riverside Business Owner
Accessed $175,000 in home equity to expand his business using only a 12-month Profit-and-Loss statement to qualify.
Why This Matters Right Now
Traditional Banks Aren't Built For Complex Income
• They rely on rigid formulas
• They misread entrepreneurial income
• They only see "taxable" income
• They ignore your real earning power
Here's the Good News
There are lender-approved programs designed for Southern California borrowers with non-traditional or complex income
that focus on your real numbers — not just your tax returns
Ready to See Your Real Approval Options?
This training is best for borrowers who’ve been told “no” by traditional lenders — even though they earn strong income.
2:32 PM PST
Instant Access — Free Training
© 2025 Mitch Chang Mortgage · All Rights Reserved
NMLS 1064309 · Licensed in CA, HI, AZ
Self-Employed Borrower Training