Financing Tough Loans Is Our Specialty
Banks love lending mortgages to people with high credit scores, high salaries, and long credit histories. If that doesn’t describe you, then we can help with non-conforming loans for Oakland residents. We lend to people who are self-employed, who have variable income, and who are first-time home buyers.
Highly-rated Mortgage Lender
Benjamin Bankers is ranked 5 stars on Facebook, Pro-Experience and Zillow
Ways We Can Help
There’s a good chance that a mortgage just right for you is out there. Non-QM mortgages for Oakland houses or commercial buildings make it easy to own local property. We will help you navigate finding the right mortgage and then getting it closed quickly and confidently, without piles of paperwork standing in the way.
Jumbo Loans
If you’re looking for a bigger home or one in a high-end area, the purchase price will be too high for a standard mortgage unless there is a big down payment. However, a low down payment preserves cash and maximizes tax efficiency. Our Oakland non-conforming loan specialists We can help you find a great jumbo mortgage with no mortgage insurance and just 5% to 10% down.
Self-Employed Loans
If you have been self-employed for a long time, you are sick and tired of hearing it. Your income is too low because you wrote off as much as you could to avoid high self-employment taxes. Your income isn’t stable enough because some months you shoot lights out, and some months you work just as hard for less profits. We know what it’s like, and our non-conforming loan experts in Oaklandwe can help. We can help you find a mortgage that serves your needs without W2 forms and years worth of tax returns.
Investor Loans
Owner occupied is the gold standard for typical mortgages. That is great for the banks, but not so good for investors with an eye for profitable properties at great prices. We can help you get an investor loan based solely on the rental income of the property, which makes closing the deal faster and more efficient.
Asset Based Loans
Theoretically, someone with enough money in the bank to make the payments on a mortgage for many months or years would be able to get a mortgage fast and easy. Unfortunately, that is not the way the standard mortgage market works, where W2 forms and tax returns are all that matters. We know better, and our non-conforming loan experts in Oaklandwe know how to set up a mortgage backed by your assets, not by your earnings last year
ITIN Loans
If you have a social security number, your money is green. If you don’t have a social security number or citizenship, your money is still green. That isn’t the way traditional lenders see it. We have loans you can qualify for with an ITIN, so you can enjoy the benefits of homeownership as well.
Get a Cash-Out Refinance
When your home is worth more than your mortgage, your net worth increases by the amount of equity. The funny thing about being worth more doesn’t mean you have more money you can use for needs or opportunities. With a cash-out refinance from our mortgage refinancing brokers in Oakland, you can convert your inaccessible equity to spendable cash..
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Your Home Loan Could Be Fully Funded 30 Days From Now
Life moves fast, and with our help, so can the process for your mortgage. We offer a 100% online application that speeds you through the approval process. In just 30 days, you can have a new mortgage and a new house in Oakland or wherever you call home.
Get a mortgage quote now! Stop worrying—Go build your future!
A mortgage is as unique as your perfect home. Factors like location, your current employment status, documentation needs, and overall financial health add up to the perfect loan like getting the right location, number of bedrooms, and overall quality add up to the perfect home.