⚡ Free Financing Strategy Guide How To Get Approved & Close Faster in Today's Market · Claim Yours Below →
California · Commercial · Investment · Business Loans
Smart & Creative Financing For
Homebuyers, Real Estate Investors
& Business Owners.
Fast Approval. Flexible Loan Programs. Expert Guidance.
We Help You Secure Financing Even When Others Say NO.
300+
Lenders Compared
6 Yrs
Experience
24hr
Pre-Approval
Licensed States :
AL, AR, AZ, CO, CT, FL, GA, IL, IN, KS
LA, MD, MT, NJ, OH, SC, TX, WA, WI
NH, ME, DE, IA, MA, MO, OK, WY
HI, KY, MS, NM
Qualified Mortgage: Conventional, FHA, VA & USDA Loans
Non-Qualified Mortgage: DSCR Loans, No Tax Return Loan for business owners, ITIN /Foreign National Loans, Fix & Flip/ Construction Loans and SBA business loans.
Zero obligation, ever
Get Your Free Financing Strategy
Takes 60 seconds. Get matched with the
right loan even when others said no.
The Problem No One Tells You About
Most buyers, investors, and business
owners are leaving serious money on the
table without knowing it.
Banks only show you one rate. One product. Working with a loan originator
who has access to 300+ lenders including DSCR Loans, No Tax Return Loan for business owners, ITIN / Foreign National Loans, Fix & Flip / Construction Loans and SBA business Loans.
73%
of buyers accept the first rate they're offered costing them thousands every single year.
$612
Average monthly savings clients get vs. their bank's original offer when they compare properly
11 days
Fastest pre-approval even for self-employed clients who were told "no" by 3 banks
$0
Cost to find out what you qualify for no credit pull, no sales pressure, just real answer
From "I'm curious" to
approved and closing in 3 steps.
No paperwork maze. No waiting weeks. Alhan Team keeps it clear, fast, and
honest start to finish.
Answer 5 Quick Questions
Tell us your goal, income type, and credit range. Takes 60 seconds Alhan uses your answers to prepare before your call.
⏱ 60 seconds
Get Your Personalized Strategy
Alhan Team reviews 300+ lenders and prepares 2–3 loan options matched to your exact situation before you get on a call.
📞 Free 30-min consultation
Close With Confidence
With flexible programs from DSCR to Commercial to ITIN, we find a path even when others said no and guide you all the way to closing day.
🏠 On your timeline
Whatever your situation,
there's a solution for it.
From first-time homebuyers to seasoned investors and business owners
we offer flexible programs designed to get you approved and closed quickly.
First-Time Homebuyers
We walk you through every step from pre-approval to closing with zero jargon. FHA, Conventional, VA we find the program that fits your life.
FHA · Conventional · VA
Real Estate Investors
Close deals using DSCR financing no tax returns, no W2. Your property's income qualifies the loan. Perfect for growing a rental portfolio fast.
DSCR · Fix & Flip · Bridge
Business Owners
Your tax returns don't always tell the full story, and that shouldn't limit your homeownership goals. Our Bank Statement and P&L loan programs allow you to qualify based on your real income, with options to use just your Profit & Loss statement to purchase your first or second home.
Bank Statement · P&L · Profit & Lost Statement only
Realtors (Partners)
We specialize in creative financing that helps your clients get approved when banks say no. Let's build a referral partnership that closes more deals.
Referral Partner Program
ITIN & Foreign Nationals
Don't have a Social Security Number? We offer ITIN loans and Foreign National programs specifically for buyers who don't qualify through traditional channels.
ITIN · Foreign National
16+ loan programs.
Our loan originator Team who knows them all.
FHA, VA, Conventional, Jumbo, DSCR, Bank Statement, ITIN, HELOC, Fix
& Flip, Commercial, SBA, Bridge, Construction, P&L, Reverse, and All-in-One loans.
🏠
Conventional
Best for: Strong credit buyers
Competitive rates, flexible down payments. The most popular loan for buyers with good credit.
📊
DSCR Loans
Best for: Investors
Qualify using rental income no W2, no tax returns needed. Built for real estate investors.
📋
Bank Statement
Best for: Self-employed
12-24 months of bank statements replace tax returns. Perfect for business owners and 1099 contractors.
💰
HELOC
Best for: Equity access
Tap into your home's equity for renovations, debt consolidation, or business investment.
🎖️
VA Loans
Best for: Veterans
No Credit Score required .$0 down, no PMI, lowest rates available. You served you've earned it.
💵
FHA Loans
Best for: First-time buyers
As low as 3.5% down, credit scores from 580. The best entry point for first-time buyers.
🌍
ITIN Loans
Best for: No SSN / ITIN holders
No Social Security Number required. We specialize in ITIN and Foreign National programs.
🏢
Commercial / SBA
Best for: Business owners
Commercial real estate, SBA 7a/504 loans, and business property financing through NEXA's network.
Free Resources : Built For Your Situation
Download the guide that matches where you are right now. No email required to start reading.
📘
Free Financing Advice Guide
Get My Free Financial Strategy Guide That Shows You How to Get Approved Faster (Even If You’ve Been Denied Before)
🏡
First-Time Homebuyer Guide
Step-by-step guide to getting approved and buying your first home without the confusion or
surprises.
🏦
Investor DSCR Guide
How to Buy Investment Properties Without Using Your Personal Income. The DSCR loan explained simply.
Your Loan Originator
Alhan Altamimi
Loan Originator · NEXA Lending · Sacramento, CA
"I don't just offer loan options I build the right financing strategy for your situation. Whether you're self-employed, investing, or buying your first home, I help you get approved even when others say no, while keeping the process fast, clear, and stress-free."
With 6 years of experience and NEXA Lending's 300+ lender network behind me, I can search the entire market on your behalf including DSCR, ITIN, Bank Statement, Commercial, and Foreign National programs that banks will never show you
Licensed in California · Non-QM loans available in all 50 states
California Licensed
NEXA Lending #1660690
6 Years Experience
DSCR · ITIN · Commercial
📞 (916) 476-0898 ✉️ [email protected]
Real clients. Real approvals.
"My bank quoted me 7.4%. Alhan found me 6.6% with a lower down payment I didn't even know existed. I'm saving $490/month. He literally changed what I thought was possible for my family."
"Three banks said no because I'm a 1099 contractor. Alhan got me pre-approved in 11 days using a bank statement program. Closed on my house 6 weeks later. Don't waste time at a bank — call Alhan first."
"Alhan helped me use a DSCR loan for my second rental property no tax returns, the property qualified itself. Fast, professional, and actually knows his stuff. He'll be my go-to lender for every deal."
Still On The Fence?
That's Exactly Why You Should Call.
The best time to know your options is before you need them. Alhan's free 30-minute consultation
is honest, no-pressure, and has zero strings attached. Worst case: you get clarity. Best case: you
save hundreds a month or close a deal others said couldn't happen.
⏱ Takes 60 seconds to start · No pressure · 100% free
Ready to apply directly or check your rate? Use Alhan's secure portals:
HomeLoan MTG : DBA : NEXA Lending
Alhan Altamimi · Mortgage Loan Originator · NMLS # 2026100 · NEXA Mortgage, LLC · NMLS #1660690 · 5559 S Sossaman Rd, Bldg 1 Ste 101 Mesa, AZ 85212 Company NMLS# 1660690 Alhan Altamimi is a licensed Mortgage Loan Originator with
LLC. Equal Housing Opportunity. ⊠ This is not a commitment to lend. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. © 2026 Homeloanmtg. All rights reserved.