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A man in a suit and tie is pointing at the word property investment.

Investor-Focused Mortgage Services

Introduction


Are you an investor looking to leverage the power of real estate to build your financial portfolio? At [Your Mortgage Brokerage Name], we understand that investors have unique needs when it comes to financing their real estate investments. That’s why we offer a comprehensive range of services tailored specifically to meet the demands of savvy investors like you.


Why Choose Fresh Home Loan for Your Investment Mortgage Needs?


1. Expertise in Investment Properties

Our team of experienced mortgage brokers specializes in investment properties. We have a deep understanding of the intricacies of financing rental properties, fix-and-flip projects, and commercial real estate investments. Whether you’re a first-time investor or a seasoned pro, we have the knowledge and resources to guide you through the process.


2. Diverse Lending Options:

We know that every investor has unique financial goals and circumstances. That’s why we work with a wide network of lenders, including traditional banks, credit unions, private lenders, and more. This allows us to offer you a variety of mortgage options, so you can choose the one that best aligns with your investment strategy.


3. Competitive Rates and Terms

Our strong relationships with lenders enable us to negotiate competitive interest rates and favorable terms for our investor clients. We understand that the bottom line matters in real estate investing, and we’re committed to helping you secure financing that maximizes your return on investment.


4. Speed and Efficiency

In the fast-paced world of real estate investing, timing is crucial. We pride ourselves on our ability to expedite the mortgage approval process, ensuring that you can seize investment opportunities as they arise. We streamline paperwork and facilitate quick closings, so you can start generating income from your investment properties sooner.


5. Investment Property Analysis:

Our services go beyond securing financing. We offer valuable insights and assistance in evaluating potential investment properties. We help you analyze the numbers, assess risk, and make informed decisions that align with your investment objectives.


6. Ongoing Support:

Our commitment to your success doesn’t end at closing. We provide ongoing support throughout the life of your mortgage, helping you navigate any challenges that may arise and offering refinancing options when it makes financial sense.


7. Education and Resources:

We believe that informed investors make better decisions. That’s why we offer a wealth of educational resources, including seminars, webinars, and articles on topics relevant to real estate investment and financing.


Your Partner in Realizing Your Investment Goals

Investing in real estate can be a powerful wealth-building strategy, but it’s essential to have the right financing partner by your side. At [Your Mortgage Brokerage Name], we’re dedicated to helping investors like you achieve your financial goals through well-structured and competitive mortgage solutions.


Contact us today to speak with one of our experienced mortgage brokers. Let’s discuss your investment objectives and create a customized financing plan that aligns with your vision for a prosperous real estate portfolio. Your success is our success, and we’re here to support you every step of the way.


Invest with confidence. Invest with Fresh Home Loan Inc.


Investor Specific Products:


– Debt Service Loans – No Tax Returns or Income documentation from you. We qualify off the rents!

– Equity Lines – Great to leverage equity in properties for cash funds for a purchase, rehab funds of a property, or business capital when needed. You pay interest in what you borrow when you borrow it.

– Private Money – Quick funds for purchase, refinance, and cash out. 


We have an array of products for each situation you encounter as an investor.

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FRESH HOME LOAN

Helpful Articles

NEW LOAN ALERT: Jumbo 40-Year Fixed Interest-Only Is Here

By Garrick Werdmuller • December 4, 2025
A game-changer for high-cost California markets

P&L Loans: A Flexible Solution for Self-Employed Borrowers

By Garrick Werdmuller • December 2, 2025
For millions of self-employed Americans, qualifying for a home loan has always been a challenge. Traditional underwriting focuses heavily on tax returns — documents that often show a lower taxable income due to legal deductions and business write-offs. While these deductions help reduce tax liability, they can also make it harder to qualify for a mortgage using conventional methods. That’s where P&L (Profit & Loss) Loans step in. These programs offer a more realistic, common-sense approach for entrepreneurs, contractors, gig-economy workers, and anyone who runs their own business. Instead of relying on tax returns, the lender evaluates income based on a professionally prepared P&L statement. This makes the program a powerful option for borrowers whose true income is not fully reflected on their tax filings. Why Lenders Use a Profit & Loss Statement A Profit & Loss statement provides a clear financial picture of the business — revenue coming in, expenses going out, and the actual net profit being earned. For many self-employed borrowers, this document paints a far more accurate representation of their ability to repay a loan. However, because a P&L loan removes tax returns from the equation, lenders require the P&L to be credible, consistent, and prepared by a trusted professional. That’s why the lender will only accept a P&L completed by one of the following: A Licensed Certified Public Accountant (CPA) A CTEC-registered tax preparer An IRS Enrolled Agent (EA) with active status Borrowers can verify an Enrolled Agent’s status using the official IRS directory below: ➡ IRS Enrolled Agent Lookup: https://irs.treasury.gov/rpo/rpo.jsf These requirements ensure the lender receives accurate and verifiable financial documentation from a qualified tax professional. What the P&L Needs to Cover To assess income stability, lenders require the P&L to reflect 24 consecutive months of business activity. This can be done in one of two ways: A single 24-month P&L , covering the most recent two years, or A combination of statements , such as: Year 1 P&L Year 2 P&L Year-to-Date P&L The lender compares these periods to confirm that income is stable or increasing — a key factor in approval. If income fluctuates moderately (as it often does in self-employment), that’s okay; what matters most is that the overall trend is not declining. Who Benefits Most From a P&L Loan? P&L loans are ideal for business owners who: Write off significant expenses Earn uneven or seasonal income Have strong gross revenue but lower taxable income Prefer not to provide tax returns Need a streamlined alternative documentation loan This is especially powerful for tradespeople, small business owners, real estate agents, rideshare drivers, consultants, and freelancers — anyone whose tax returns simply don’t reflect their true financial strength. Why This Loan Is More Important Than Ever With traditional lenders tightening income guidelines and many bank-statement lenders scaling back programs, P&L loans have become one of the few remaining flexible qualifying options for self-employed borrowers. Having the right documentation — and preparing it correctly the first time — can mean the difference between an approval and a delay. That’s why working with a mortgage professional who understands these programs deeply is essential. Ready to Explore Your Options? Let’s Talk. Every self-employed borrower’s story is different, and your loan strategy should reflect that. If you’d like to see whether a P&L loan works for your situation — or if you want help gathering the right documentation — I’m here for you. 👉 Schedule a meeting with Garrick: https://www.freshhomeloan.com/contact-us I’ll walk you through the guidelines, help you avoid common mistakes, and show you the best path to approval. Garrick Werdmuller has been self-employed since the age of 29 and is the President and CEO of Fresh Home Loan Inc. , an independent mortgage brokerage serving the Bay Area and Central Valley. Garrick has helped hundreds of self-employed borrowers secure home loans — including many who were previously denied elsewhere. His mission is simple: make homeownership accessible for entrepreneurs and business owners. #SelfEmployedHomebuyer #PLLoans #AlternativeDocLoans #HomeLoanOptions #MortgageBroker #FreshHomeLoan #NonQMLoans #BusinessOwner #EntrepreneurLife #CaliforniaMortgage #RealEstateTips #HomeFinancing #FreshHomeLoan

Why Getting Pre-Approved Matters — and How Fresh Home Loan Makes It Easy

By Garrick Werdmuller • November 18, 2025
Buying a home in California has never been more competitive, more dynamic, or more dependent on strong financing. Whether you’re a first-time homebuyer, moving up, or building wealth through real estate, the first and most important step is getting pre-approved . But not all pre-approvals are the same — and not all lenders approach the process with the same level of detail, transparency, or strategy. At Fresh Home Loan, we believe pre-approval isn’t just paperwork. It’s a blueprint for your financial future. Why Getting Pre-Approved Matters 1. You know your real numbers. Online calculators and quick quotes don’t tell the whole story. A real pre-approval evaluates income, credit, assets, property type, and guidelines across multiple lenders, giving you an accurate picture of payment and cash-to-close. 2. You make stronger offers. In competitive markets, sellers want certainty. A true pre-approval shows real estate agents and sellers that you are financially ready now — not “pre-qualified” in 60 seconds with a soft inquiry and guesses. 3. You avoid surprises. When you know your loan type, payment ranges, MI options, and total cash required, you shop with confidence — not stress. 4. You move faster. A strong pre-approval shortens closing timelines, reduces conditions, and helps you win in multiple-offer situations. Fresh Home Loan’s 5-Step Pre-Approval Process At Fresh Home Loan, we built our process around transparency, education, speed, and strategy — not pressure . STEP 1 — Strategy Call A short conversation to understand your goals, timeline, and the why behind your purchase. We want to know your story , not just your numbers. STEP 2 — Apply & Upload Documents You complete the loan application and securely upload income, asset, and identification documents through our technology platform. This allows us to begin the full underwriting review immediately. STEP 3 — Credit Report (Borrower-Paid) We run your tri-merge mortgage credit report , which is now an upfront, borrower-paid fee due to nationwide credit bureau cost increases. This report provides: Mortgage-specific credit scores Tradeline verification Fraud/OFAC checks Supplemental reporting required for underwriting This step ensures accuracy, prevents surprises, and allows us to deliver a true, fully vetted pre-approval . STEP 4 — Deep-Dive Loan Review We analyze your profile across multiple lenders — not just one. You see options for FHA, Conventional, Jumbo, ARM, Zero-Down, ITIN, Self-Employed, Investor/DSCR, and other programs. This is where we strategize your best path: Max qualifying Lower monthly payment Lower cash to close Buydown opportunities PMI vs. no-PMI structures Short-term vs. long-term planning Wealth-building strategy You’re not choosing a loan — you’re choosing the plan that works for your life. STEP 5 — Live Scenario Review We meet via phone or Zoom and go through your options line by line : ✔ Monthly payments ✔ APR ✔ Total cash to close ✔ Rate options ✔ Pros and cons of each program ✔ Short- and long-term strategies The goal is simple: Give you clarity, confidence, and control. Once everything is reviewed and verified, you receive your Fresh Home Loan Pre-Approval Letter :  Fully underwritten Fast Accurate Respected by real estate agents Backed by verified numbers — not guesses We then coordinate with your agent so your offers stand out and move fast. Ready to take the next step? Reach out at 510-282-5456 or apply now: https://www.freshhomeloan.com/apply-now
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