Mortgage Solutions That Close Like You Do
Your life is high-performance, fast-paced, and built on results. We bring the same energy to your mortgage — with solutions that move as fast as you do.
Compare your options: Bank Statement Loan | 1099 Loan | Conventional Loan
We Understand Your Pay Structure, Schedule, and Goals
You’re commission-based. You work long hours. Your income isn’t always “standard” — and most banks don’t know how to read it. We do.
Flexible Options. Real-Time Solutions.
Commission-Friendly Loans
We know how to present bonus and commission income, even if it’s new or fluctuates. Compare programs with the Conventional Loan Calculator or explore Down Payment Assistance options.
Bank Statement Programs
No tax returns needed — just show 12–24 months of deposits to qualify. Perfect for 1099 and self-employed. Run your numbers: Bank Statement Loan Calculator. Also see the 1099 Loan | Calculator for gross 1099 qualification.
Investment or Second Home Loans
Want to diversify? We’ll help you structure your purchase for short-term rentals, second homes, or future flips. Explore: DSCR Loan | Calculator, Fix and Flip Loan | Calculator. Calculate returns: Rental Property Calculator.
Built for Closers, By Closers
- We understand commission-based income
- Fast response times for fast-moving deals
- Flexible qualifying, even with new job or territory
- Real estate investment coaching available
- Access to no-PMI, low-down-payment products
“I was in between job roles with a high bonus coming. Jim’s team structured everything around that — and got me closed in record time.”
— Samantha M., Device Sales Executive
FAQ's
I just switched companies — can I still qualify?
Explore the Conventional Loan for W-2 positions or the Bank Statement Loan if you need to qualify using deposit history rather than employment tenure. Not sure which fits? Take our Discovery Quiz.
Can my commission income be counted if it varies month-to-month?
Our Bank Statement Loan captures 12-24 months of actual deposits — smoothing monthly variation into qualifying income. Run your scenario: Bank Statement Loan Calculator. For W-2 commission earners, the Conventional Loan uses a two-year average of bonus and commission income.
I’m paid as a 1099 contractor. Can I still get approved?
Yes — our 1099 Loan qualifies directly from gross 1099 income without tax return deduction penalties. Calculate: 1099 Loan Calculator. For higher qualification amounts, the Bank Statement Loan and P&L Loan offer additional pathways.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.
Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!
Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.
Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.
Meet Jim Blackburn
Commission-Based Income Specialist | Sales-Driven Lending Coach
“I work with producers who win — and need a mortgage team that can match their energy, complexity, and speed. Let’s close this deal right.”
