California Mortgage Broker for Complex & Non-Traditional Loans
SV Mortgage Group helps homeowners, investors and self-employed borrowers secure financing for challenging scenarios, unique properties and opportunities that may not fit traditional lending guidelines.
- Self-Employed & Investor Solutions
- Residential & Investment Financing
- Specialty & Complex Loan Scenarios
45+ Google Reviews · Santa Cruz
20+ Years
Mortgage Broker Experience
60+ Google Reviews · Carmel
NMLS #279284
Licensed Mortgage Professional
Have a Loan Scenario You’d Like to Discuss?
Whether you're financing a home or investment property, working with non-traditional income, or dealing with a scenario that doesn't fit conventional lending guidelines, tell us what you're trying to accomplish. We'll help you explore the available options.
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No-Obligation Conversation
Start with a straightforward discussion about your goals and financing needs.
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Customized Financing Options
Explore solutions based on your borrower profile, property and financing scenario.
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Residential & Investment Lending
Financing options for homeowners, investors and self-employed borrowers.
Tell Us What You’re Working On
Share a few details and we’ll be in touch to discuss your financing options.
Mortgage Options Built Around Your Financial Picture
Buying a home, financing a rental property or putting your home equity to work? SV Mortgage Group helps California borrowers explore lending options based on their income, available assets, property and goals.
Bank Statement Loans
Purchase and refinance options for qualifying self-employed borrowers and business owners using bank statements to help document income.
Explore Bank Statement LoansDSCR Loans
Financing for qualifying rental properties that evaluates rental income relative to debt payments, alongside other borrower and property requirements.
Explore DSCR LoansAsset-Based Mortgages
Explore mortgage options that consider eligible savings, investments or retirement assets when evaluating qualifications for a purchase or refinance.
Explore Asset-Based MortgagesNon-QM Loans
Explore specialty mortgage programs with alternative documentation or qualification approaches for financial profiles that need a closer review.
Explore Non-QM LoansBridge Loans
Short-term financing for qualifying buyers and investors coordinating a new purchase with the sale or refinance of an existing property.
Explore Bridge LoansHELOC Financing
Explore a home equity line of credit for planned improvements or other financing needs, based on available equity and your financial qualifications.
Explore HELOC FinancingExperienced Condo Financing Across California
Buying or refinancing a condo? Condo financing is a major part of our work—from straightforward purchases to non-warrantable projects that need a closer review.
SV Mortgage Group helps you understand borrower and HOA requirements, compare relevant lending sources and explore your next steps when another lender’s guidelines don’t fit.
- Condo Purchases & Refinancing
- Non-Warrantable Projects
- Primary Homes, Second Homes & Rentals
When Traditional Lending Doesn’t Fit, We Look for Another Path.
Unique properties. Non-traditional income. Time-sensitive transactions.
Not every borrower, property or transaction fits neatly within conventional lending guidelines. With more than 20 years of mortgage experience, SV Mortgage Group works through complex scenarios to identify financing options based on the borrower, the property and the goals behind the transaction.
Options for self-employed borrowers and alternative income documentation.
Land, mobile homes, difficult condos and other non-standard properties.
Bridge financing and alternative options when timing is critical.
Second mortgages, HELOCs and financing strategies built around property equity.
Rental properties, short-term rentals and other real estate investment opportunities.
Borrower or property situations that require a more customized financing approach.
A California Mortgage Broker Focused on Finding the Right Solution
With more than 20 years of mortgage experience, SV Mortgage Group takes a personalized approach to helping homeowners, investors and self-employed borrowers find financing that fits their goals.
20+ Years of Experience
Decades of experience navigating straightforward and challenging mortgage scenarios.
More Financing Options
Conventional, non-QM and alternative mortgage financing for a wider range of needs.
A Customized Approach
Financing strategies built around the borrower, property and goals of the transaction.
Direct, Responsive Guidance
Clear communication and experienced guidance throughout the financing process.
Financing Built Around the Investment Opportunity
From rental properties and short-term rentals to fix-and-flip projects and time-sensitive acquisitions, SV Mortgage Group helps real estate investors explore financing based on the property, strategy and opportunity.
DSCR and investment property financing for long-term and short-term rental opportunities.
Explore DSCR Loans Fix & Flip ProjectsFinancing for property acquisitions, improvements and value-add investment projects.
Explore Fix & Flip Loans Bridge FinancingShort-term financing for acquisitions, timing gaps and opportunities where execution matters.
Explore Bridge Loans Private MoneyFlexible private money financing for transactions that may fall outside conventional lending guidelines.
Explore Private Money LoansYour Income Doesn't Always Fit Neatly on a Tax Return
Business owners and self-employed borrowers may have strong finances without fitting traditional income documentation requirements. SV Mortgage Group can explore mortgage options that evaluate income differently.
Local Mortgage Expertise. California-Wide Solutions.
Local Central Coast experience with financing options for borrowers and properties across the state.
With offices in Santa Cruz and Carmel, SV Mortgage Group combines local Central Coast knowledge with access to mortgage solutions for homeowners, investors and self-employed borrowers throughout California.
Santa Cruz, CA 95062 Explore Santa Cruz Mortgage Options
Carmel, CA 93923 Explore Carmel Mortgage Options
Complex Financing Doesn't Need a Complicated Process
Every transaction is different, but the process starts the same way: understand the scenario, identify the right financing options and create a clear path toward closing.
Discuss Your Scenario
Tell us about the borrower, property, financing need and what you're trying to accomplish.
Explore Your Options
We evaluate available mortgage programs and identify financing strategies that fit the transaction.
Structure the Loan
Once the right approach is identified, we organize the financing and guide you through the required documentation.
Move Forward
Complete your secure application and take the next step toward financing.
Start with a conversation about what you're trying to accomplish.
Trusted for the Loans That Require a Little More Thinking
From straightforward home purchases to bridge financing and complex lending scenarios, clients turn to SV Mortgage Group for clear communication, creative solutions and hands-on guidance throughout the process.
Google Review
“We had a weird property type that traditional lenders hated but Shane found the exact private capital we needed. He acts fast and keeps you in the loop without making you beg for updates.”
Google Review
“Our purchase was on the brink of collapsing until SV Mortgage Group set up a flawless bridge loan for us. They moved with absolute precision and kept us updated daily so our anxiety stayed completely manageable.”
Google Review
“Shane structured a private loan for my investment when every retail bank told me 'no'. His access to alternative capital literally saved my project and set us up for a great return.”
Google Review
“I’ve spent months trying to get a mortgage as a freelance designer in Carmel, and every big bank basically laughed at my tax returns. SV Mortgage Group was the first place that actually looked at my bank statements and treated my income like it was real.”
Google Review
“Shane helped us with our HELOC loan. He took care of everything and gave us a great deal! Will be going back to him for our future home purchases!”
Google Review
“Shane was a great help in every step of the way with our purchase. He was very helpful and informative and above all a good person that was available to any questions I had. As a first time home buyer he helped catch me up to speed on how this all works. I would definitely recommend Shane.”
Questions About Specialty Mortgage Financing?
Every financing scenario is different. Here are answers to some common questions about non-traditional mortgage options, investment property financing and working with SV Mortgage Group.
A Non-QM loan is a mortgage that uses qualifying criteria outside some of the standard requirements associated with conventional financing. Depending on the program, borrowers may be able to qualify using alternative documentation, property cash flow or other financial information. Explore Non-QM loans.
Yes. Self-employed borrowers may have several financing options depending on their income structure, assets and overall financial profile. Some programs can use bank statements or other forms of documentation rather than relying only on traditional W-2 income. Learn about self-employed mortgage options.
DSCR loans are designed for qualifying real estate investors and can evaluate the property's rental income in relation to its debt obligations. This can provide an alternative to qualifying primarily through the borrower's personal income. Explore DSCR loans.
A bridge loan is short-term financing commonly used when the timing of one real estate transaction does not align with another. For example, it may help a homeowner purchase a new property before the sale of an existing property is complete. Learn about bridge loans.
SV Mortgage Group works with financing options that may include private money and hard money for qualifying real estate transactions. These programs can be useful for investment opportunities, unique properties, time-sensitive purchases and scenarios that may not fit traditional lending. Explore hard money financing.
Potentially. A decline from one lender does not always mean there are no available financing options. SV Mortgage Group evaluates the borrower, property and transaction to determine whether another mortgage program or financing structure may provide a workable path forward.
SV Mortgage Group has offices in Santa Cruz and Carmel and works with borrowers and real estate opportunities throughout California. Local markets include Santa Cruz, Carmel, Monterey and the greater Monterey Bay area. Visit our Santa Cruz, Carmel or Monterey mortgage pages to learn more.
Have a Financing Scenario You’d Like to Discuss?
Whether you're purchasing, refinancing, investing or working through a scenario that doesn't fit traditional lending guidelines, start with a conversation about what you're trying to accomplish.