We shop 100+ lenders for the best deal — conventional, NonQM, DSCR, hard money and more. Self-employed friendly. Bilingual EN/中文 service.
*50% LTV, 780+ FICO, 30-day lock. Subject to change.
From W-2 employees to self-employed entrepreneurs to real estate investors — we have the right program.
Income-verified loans with excellent rates and fast processing. We shop 100+ investors for the best rate — Conforming, High Balance, Jumbo, and FHA.
Get pre-qualified fast. Make confident offers.
Lower your rate, shorten your term, or cash out equity.
Loans up to $4M+ for high-value properties.
3.5% down. Flexible credit. Gift funds OK.
Designed for self-employed borrowers, gig workers, and business owners. No traditional income docs needed. Flexible credit, great rates, fast closing.
12 months personal or business statements instead of tax returns.
Employer verification only. No income docs needed.
No P&L needed. Some scenarios don't need business license.
Programs designed for non-traditional income types.
Purpose-built for real estate investors. No personal income verification. We offer No Ratio DSCR — no minimum debt service coverage ratio required.
No minimum coverage ratio. Easier qualification.
No limit on number of financed properties.
Pull equity from rentals to fund next deals.
2-4 unit properties eligible.
Access your home's equity with flexible options. Both full-doc and no-doc programs available. Keep your existing low first mortgage rate.
Revolving credit. Draw, repay, repeat.
Fixed rate, fixed term. Predictable payments.
Best rates and highest LTVs with income verification.
No income verification. Fast approval on equity + credit.
When speed matters most. Close in as fast as 10 days with up to 95% LTV. Competitive rates. Fix-and-flip, bridge, rehab, construction.
Lightning-fast funding. Don't lose deals waiting.
Acquisition + rehab financing.
Short-term financing. Buy before you sell.
Higher leverage. Less cash out of pocket.
No U.S. visa or Social Security number? No problem. We offer mortgage options for foreign nationals purchasing property in the United States. ITIN borrowers welcome.
Buy U.S. property with just a passport.
No Social Security number? ITIN works.
Low down payment for foreign buyers.
Full EN/中文 support from start to close.
Real-time pricing from our rate sheet. Enter your loan details below.
Rates updated daily. Contact us for a personalized quote.
We use common sense lending — not rigid banking formulas. Our 100+ investor network means we find solutions even when others can't.
We compare rates across our network for the absolute best deal.
Bank statement, VOE, no P&L needed. We know non-traditional income.
Full service in English and Chinese. Nothing lost in translation.
Hard money in 10 days, conventional in 21 days — we close on time.
Numbers that speak for themselves
*Estimate only. Actual payments may include taxes, insurance & PMI.
Complete our application in minutes. We respond within hours.
We compare 100+ lenders for the best rate and program.
Our team handles all paperwork. You stay informed every step.
Sign docs and get the keys! As fast as 10 days.
"I'm self-employed and got turned down by two banks. Treasure Mortgage used a bank statement program and closed in 19 days. Better rate than I expected!"
"我们用中文全程沟通，从申请到过户没有语言障碍。利率非常好，速度也快，推荐给所有华人朋友！"
"Needed a bridge loan fast. Treasure Mortgage funded in 10 days with 90% LTV. They saved my investment. Absolutely recommend for any investor."
Google Review
"From our first interaction, it was clear that they genuinely care about their clients. My loan officer went above and beyond to find a mortgage solution that was perfect for my situation."
Google Review
"Working with Treasure Mortgage was a seamless experience from start to finish. Their team is incredibly knowledgeable and took the time to answer all my questions, no matter how trivial."
Google Review
"I was initially drawn to Treasure Mortgage because of their competitive rates, but what truly won me over was their ability to provide a range of solutions tailored to my specific financial situation."
Google Review
"From the initial consultation to the final closing, every step was clearly outlined and expertly managed. Michael's team was proactive in addressing any potential issues."
Google Review
"Treasure Mortgage made what could have been a stressful process incredibly easy. Their team was there to guide me through every step, ensuring that I understood all the terms and conditions."
Google Review
"Time was of the essence for me, and Treasure Mortgage delivered. Their efficient process and quick approval times were impressive. I was able to close on my new home faster than I ever thought possible."
Google Review
"Transparency is crucial when it comes to financial matters, and Treasure Mortgage practices it to the tee. There were no hidden fees or last-minute surprises; everything was laid out clearly from the beginning."
Google Review
"Communication is key in any financial transaction, and Treasure Mortgage excels in this area. My loan officer was always available to answer my questions, whether via phone, email, or text."
📍 7700 Irvine Center Dr Ste 800, Irvine, CA 92618
Expert analysis and tips to help you make smarter mortgage decisions.
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We offer conventional loans (conforming, high balance, jumbo, FHA), NonQM/Alt-Doc loans (bank statement, WVOE, self-employed), DSCR investor loans, HELOC and second liens, hard money and bridge loans, and foreign national loans. We shop 100+ wholesale lenders to find the best rate for each borrower.
Yes. We specialize in NonQM loans for self-employed borrowers. Multiple qualification options: 12-month bank statements (no tax returns needed), self-prepared P&L statement, or no P&L at all — depending on the program. Some programs don't require a business license. We also offer WVOE (Written Verification of Employment) programs. Purchase, refinance, and cash-out available.
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. You qualify based on the rental income of the property, not your personal income. No W-2s, no tax returns, no employment verification needed. We also offer No Ratio DSCR loans for properties that are not yet rented. Available for purchase, refinance, and cash-out.
Yes. We offer foreign national loans with as low as 25% down payment. No U.S. visa or Social Security number is required — you can qualify with just a passport. ITIN borrowers are also accepted. Available for primary residence, second home, and investment properties. Purchase, refinance, and cash-out.
Standard loans close in 10-21 days. Hard money and bridge loans can close in as fast as 10 days. We offer streamlined underwriting and work with 100+ lender partners to ensure fast processing.
Yes. We provide full bilingual service in English and Chinese (Mandarin). From application to closing, everything can be handled in your preferred language. Our website is also available in both English and Chinese.
As a mortgage broker, we shop over 100 wholesale lenders and investors simultaneously for each loan. This means we compare rates across the entire market — not just one bank — to find the most competitive rate and terms for your specific situation. We also price match.
We are headquartered in Irvine, California and serve borrowers throughout the state of California. We serve all major metro areas including Los Angeles, San Francisco, San Diego, Orange County, Riverside, Sacramento, and the San Francisco Bay Area.
Get pre-qualified in minutes. Our team is standing by.