Licensed in all 58 California counties · NMLS #377740 📞 949-379-5320

FOR CPAs, EAs & BOOKKEEPERS

CPA & Tax Professional Partners

Your self-employed clients write off what the tax code allows. Then a bank says their income is too low to buy a home. Save Financial is a California mortgage broker (NMLS #377740) that qualifies those clients on bank statements, a CPA-prepared P&L or their assets instead, so good tax planning doesn't cost them the house.

How we help your self-employed clients

Since 2009 we've closed around 200 loans for self-employed borrowers: business owners, 1099 contractors, consultants, physicians and real estate professionals. These are the programs CPAs ask us about most:

  • Bank statement loans: income from 12 or 24 months of personal or business deposits, no tax returns.
  • P&L statement loans: income from a profit and loss statement you prepare and sign.
  • 1099 income loans: gross 1099 income for contractors and gig workers.
  • Asset depletion loans: qualifying income calculated from liquid assets, for retirees and clients who just sold a business.
  • DSCR loans: rental properties qualified on the property's rent, not personal income.

If a lender asks you for a CPA letter, our guide to what a CPA letter for a mortgage should and shouldn't say covers it.

What partnering looks like

  • Scenario reviews: send a client situation (no names needed) and we'll tell you which program fits and roughly what they'd qualify for, usually the same business day.
  • A listing on this page with a link to your firm.
  • Co-written content: an article or webinar for both our audiences on qualifying for a mortgage after aggressive write-offs.
  • Straight communication with your client: we explain what documents we need and why, so you aren't fielding confused calls.

We don't pay or accept referral fees. Federal law (RESPA Section 8) prohibits paying for mortgage referrals, and our partnerships are about serving clients well, not compensation.

Our partner firms

Partner listings are being added. If you'd like your firm listed here, email mike.basti@iloanca.com with your firm name, location and website.

    A ready-to-use blurb for your website

    Feel free to copy this onto your resources page:

    Mortgages for self-employed clients. If your tax returns show less income than your business really earns, a non-QM mortgage can help. Save Financial, a California mortgage broker since 2009 (NMLS #377740), qualifies self-employed borrowers using 12 to 24 months of bank statements, a CPA-prepared P&L, or liquid assets instead of tax returns. Learn more at iloanca.com.

    Talk to Mike

    Mike Basti, President and Mortgage Broker (NMLS #322904), works with CPAs directly. Call or text (949) 379-5320 or email mike.basti@iloanca.com.

    Save Financial, Inc. is a mortgage broker, NMLS #377740, licensed by the California Department of Real Estate, DRE #01875766. All loans are subject to credit approval. Equal Housing Opportunity.

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