VISION ONE MORTGAGE · NMLS #7861 · California
California Bank Statement Mortgages & Rental Portfolio Financing
If you run a business, drive for a living, or own rentals in California, your tax return may not tell the whole story of your income. Vision One Mortgage reviews California scenarios the plain-English way: bank deposits for self-employed borrowers, and rental cash flow for investors.
TWO PATHS
Two ways to qualify in California
Instead of tax returns, this path documents income with 12 to 24 months of bank deposits. Built for self-employed borrowers, 1099 earners, and business owners whose earnings are steady but whose tax returns are written down.
This path looks at the property first: the rent it brings in compared with the loan payment and property costs. Your personal income is not the whole story — useful for single rentals and growing portfolios.
HOW IT WORKS
Step by step, no pressure
We Talk
You tell us your situation in California. No commitment.
We Review
We look at your deposits or your property's rental cash flow.
We Match the Program
You get a clear answer on which path fits and what it takes.
Close & Get Keys
We walk with you to closing. Every document explained before you sign.
Check your California scenario
Call, or apply online and choose your loan officer. A licensed loan officer answers in plain English.
Call (949) 253-3480Apply — Choose Your Loan OfficerWhatsAppEducational content only. Not a commitment to lend or a rate lock.
Vision One Mortgage, Inc. · NMLS #7861 · Branch NMLS #1630588 · California: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, DFPI #603D797; CA DRE #01522925. Corporate Office: 13821 Newport Ave. #110, Tustin, CA 92780 · (949) 253-3480 · Equal Housing Lender · Licensed in AZ, CA, FL, GA, TX.