fundigo.NMLS #2755991
fundigo.NMLS #2755991
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Young couple with house keys sitting in front yard at sunset
15 Years of Mortgage Expertise

2012: “Fax 47 pages”→2026: Upload from your phone

See if you qualify.
Free. No email required.

Mortgages for self-employed borrowers and real estate investors. No tax returns required.

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Fully LicensedNo Credit ImpactNo Email Required60 Seconds

Mortgages for your situation

Whether you're a W-2 employee, self-employed, or building an investment portfolio — we have a program that fits your needs.

W-2 Employees

W-2 Employees

Traditional employment income with paystubs and W-2s. Fast, streamlined approval.

Nurses & HealthcareGovernmentTeachersTech & SoftwarePolice & FireCorporateMilitaryManufacturingRetail
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1099 Contractors

1099 Contractors

Independent contractors and freelancers. We use tax returns or bank statements.

Uber & LyftDoorDashConsultantsReal Estate AgentsTruck DriversInsurance AgentsCreativesSales RepsAttorneys
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Business Owners

Business Owners

Self-employed? Use 12-24 months of bank statements instead of tax returns.

RestaurantsConstructionTruckingHVAC & PlumbingAuto RepairSalons & SpasMedical PracticesLandscapingE-commerce
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Real Estate Investors

Real Estate Investors

DSCR loans qualify on rental income alone. No personal income docs needed.

LandlordsFix & FlipAirbnb & VRBOMulti-familyCommercialNew Investors
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How it works

From application to keys — faster than you thought possible.

Quick application
01

Quick application

Answer a few questions — takes about 3 minutes.

Instant pre-approval
02

Instant pre-approval

Soft credit pull. No impact on your score.

Upload documents
03

Upload documents

Our AI analyzes everything instantly.

Close fast
04

Close fast

Average close in 14 days, not 45.

Frequently asked questions

Have another question? Contact us

No. We use a soft credit pull for pre-approval, which does not impact your credit score. A hard pull only happens when you officially apply for the loan after finding a property.
We offer a full range: conventional full-doc loans for W-2 employees, bank statement loans for self-employed borrowers, DSCR loans for investors, refinances, HELOCs, and second mortgages. Whatever your situation, we likely have a program for you.
Bank statement loans qualify you based on your actual bank deposits over 12-24 months instead of tax returns. This is ideal for self-employed borrowers whose tax returns may understate their real income.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income. If the property's income covers the mortgage payment, you can qualify — great for real estate investors.
It depends on your current rate. If you have a low rate from 2020-2021, a HELOC or second mortgage lets you tap equity without losing that rate. If your rate is higher, a cash-out refinance might make more sense. We'll help you compare both options.
Our AI-powered platform automates document analysis, underwriting checks, and compliance reviews that traditionally take weeks. We've eliminated the back-and-forth that slows down traditional lenders.
Absolutely. While our technology handles the heavy lifting, a licensed loan officer is always available to answer questions, explain options, or step in whenever you need human guidance.
For conventional loans, as low as 3-5% for primary residences. Bank statement loans typically require 10-20%. DSCR investment properties usually need 20-25%. We'll show you exact requirements during pre-approval.

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