Tony Nasim

I'm Tony Nasim, a mortgage banker and partner at Lendwise Mortgage, NMLS #819586. For more than 20 years and more than 1,500 closed loans, I've specialized in the files other lenders decline — self-employed borrowers, real estate investors, and buyers whose income is real but doesn't fit inside agency guidelines. I'm licensed in California, Colorado, Georgia, Michigan, North Carolina, Ohio, and Tennessee. Enough clients have said it that it stuck: I'm the guy who enjoys fixing the unfixable.

If you're self-employed and your tax returns don't reflect what you actually earn, you are not out of options. A bank statement loan qualifies you on 12 to 24 months of deposits instead of W-2s and tax returns. I write both personal and business bank statement loans, profit and loss statement loans, asset depletion loans for borrowers who hold assets rather than steady income, and financing for 1099 and commission earners. These fall under Non-QM — non-qualified mortgages that use documentation methods outside the conventional rulebook. Most retail banks don't offer them at all. I've been placing them for years.

For real estate investors, DSCR loans qualify on the property's rental cash flow rather than your personal income, so there are no tax returns and no employment verification in the file. I also place no-ratio DSCR loans for properties that don't hit a standard coverage ratio, financing vested in an LLC, and short-term and portfolio rental scenarios.

The larger and stranger files are where I do my best work: jumbo and super jumbo financing, loan amounts above $3 million, physician and doctor loan programs, properties with multiple ADUs, and cash-out refinances — including using cash-out proceeds to satisfy post-closing reserve requirements. I also work with borrowers who have only one year of self-employment history. Most lenders want two years before they'll look at a self-employed file. That is exactly the kind of loan I want to see.

Some of the ones I'm proudest of: a self-employed first-time home buyer who qualified on bank statements with no rental payment history to show, a real estate investor financed with a no-ratio DSCR loan, and borrowers structured to close on a single year of self-employment income after another lender had already declined the file. Every file is different and nothing is final until it's underwritten, but I believe every loan deserves a second look. There is usually a solution when you know the guidelines and structure the loan correctly.

None of that means I only take hard files. A large share of my business is conventional, FHA, and VA financing for first-time home buyers and move-up buyers with ordinary W-2 income, and those clients get the same attention. Knowing where the edges are makes me better at the middle.

California and Colorado are my primary markets, and that's where I've built long-standing relationships with real estate agents, CPAs, and financial advisors who send me the files nobody else could place. I work statewide in every state I'm licensed in, and most of my business now comes by referral.

Communication matters as much as loan structure. I handle my clients personally from application through closing — clear answers, honest timelines, and no surprises at the closing table. I'm hands-on and detail-oriented, which is how I catch problems early instead of letting them become underwriting conditions. And I don't disappear after funding; I'm still the person you call three years later with a question.

When I'm not working, you'll usually find me on the basketball court with my three boys or out shopping with my daughter. Family is everything to me, and it's the same commitment I bring to every client I have the privilege of serving.