We don’t require tax returns!  Instead, use personal or business bank statements to get your mortgage.  We have programs using 12 or 24 month bank statements to qualify.  Tax write-off’s are meaningless with us.  In some rare situations, self employed borrower’s can actually qualify using their tax returns.  In these cases, we can analyze both methods – bank statements and tax returns to see which works better for the borrower.  Apply Here

2 years self employment are needed to qualify for a self employed mortgage.  However, if you apply as stated income, no employment history is necessary.

Yes.  Stated income mortgages are available for residential and commercial properties.  We also have ways of funding primary residences under a true stated income program.  Call for details on this.

Yes.  Mortgage Wholesale offers asset depletion loans.  We have funded loans for borrower’s who didn’t even have a job but showed significant liquid assets.  These are generally for high net-worth individuals.

Mortgage Wholesale

We specialize in Self Employed Mortgage Loans including Stated Income Loans, Bank Statement Loans, Private Money Loans, Portfolio Loans and many other programs.  We finance both Residential and Commercial properties.

If you’re loan shopping online and haven’t found the program fits your scenario, it’s likely we have it.  We have more programs to qualify self employed borrower’s than any single online source.  Give us a shout!  We’d enjoy helping!

Private Money Lenders

Why Borrower's Choose Us

We bring wholesale mortgages to consumers! After obtaining a mortgage, it is normally grouped together with hundreds of other mortgages and re-sold to different banks on the open market, usually within 90 days, so you’ll never really know where you’ll be making your actual payment. Knowing this, why not start your purchase or refinance at MORTGAGE WHOLESALE where you can obtain a “wholesale mortgage rate” from the start?


  • 661-333-1181
  • 110 Civic Center Dr. #204
    Vista, CA 92084
  • Boulton Mortgage, Broker
    BRE: 01115686 | NMLS: 249600

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