Self-Employed & Bank Statements
12- and 24-month bank-statement programs for business owners whose cash flow is stronger than their tax-return income suggests.
California mortgage guidance
Complex income.
Simple direction.
When tax returns do not tell your whole financial story, experience matters. Scott Osder helps self-employed borrowers, business owners and families find a clear path to the right home-loan solution.
35+ yearsMortgage experience
$3B+Career loan volume
All CaliforniaStatewide service
Where experience matters
Loans built around real life.
Traditional underwriting works well—until your income is anything but traditional. We look at the complete picture and match the loan strategy to the borrower, not the other way around.
1099 & Commission Income
Thoughtful documentation strategies for borrowers with variable, commission-based or independent-contractor income.
Jumbo & Complex Scenarios
Experienced guidance for larger balances, multiple properties, multiple businesses and layered financial profiles.
Asset-Based Qualification
Programs that may use eligible assets and reserves to help establish qualifying income.
Debt-Consolidation Cash-Out
A strategic review of whether home equity can simplify high-interest monthly obligations and improve cash flow.
Reverse Mortgage Guidance
Clear, patient education for eligible homeowners considering a reverse mortgage as part of retirement planning.
The second-opinion lender
Another lender said no. That may not be the final answer.
A denial can reflect one lender's guidelines, documentation approach or appetite—not necessarily every available option. Let’s review what happened and see whether there is another responsible path forward.
Let Scott Review It✓
We start with the full storyYour businesses, income, assets, credit and goals all matter.
✓
We explain the “why”You should understand what works, what does not and what can be improved.
✓
We build the file before submissionThoughtful preparation helps avoid preventable surprises in underwriting.
✓
We stay involvedOne experienced point of contact from the first conversation through closing.
Meet your home loan coach
Experience without the sales pitch.
Scott Osder has worked in mortgage lending since 1988. Over more than three decades, he has helped California borrowers through changing markets, changing guidelines and financial situations that do not fit neatly into a box.
His approach is simple: listen carefully, tell the truth, explain the options and create a plan. That is especially valuable for self-employed borrowers and clients who have already been turned down elsewhere.
Scott Osder
President & Mortgage Loan Originator, Osder Financial GroupSince 1988Guiding borrowers through every kind of lending market
CaliforniaHelping clients throughout the state
Complex filesDeep experience with nontraditional income
Coach's mindsetPreparation, clarity and a plan for the next step
Start with a conversation
Let’s look at the whole picture.
Tell Scott a little about your situation. This initial form is for general contact only—please do not include Social Security numbers, account numbers or financial documents.
There is no pressure and no obligation. Just a straightforward conversation about what may be possible.
Call: 818-590-2265
Email: Scott@osderfinancialgroup.com