SELF-EMPLOYED MORTGAGE SPECIALIST · NMLS #1547543
whiz (n.) — a person who is remarkably skilled or knowledgeable in their field.
Business owners. Veterans. Investors. Conventional borrowers. Licensed in CA, CO, TX, FL, GA, NC, SC, TN, VA. One specialist who finds the path when others can't.
No credit pull · No commitment · Free consultation
9
States Licensed
20+
Years Experience
★★★★★
5-Star Rated
$4M+
Max Loan Amount
NMLS
#1547543
WHO I WORK WITH
Whether you need a straightforward purchase or a complex deal your bank just turned down — start here.
Business owners, veterans, investors, and conventional borrowers across 9 states. If there’s a path to approval, I find it.
Your client just got denied. Or they’re self-employed. Or it’s complex. I’m the specialist you need on speed dial.
WHO I SERVE
From business owners to veterans, investors to creators — if you earn income differently, I close your loan.
Bank statements, not tax returns — qualify on real cash flow.
Keep your write-offs; show deposits that prove what you earn.
12–24 months of statements can replace a W-2 narrative.
Brand systems and multi-unit ops structured for non-QM.
One story across locations — without W-2s at every site.
$0 down, no PMI — and a rate that reflects your service.
Large loan amounts with programs built for complex files.
AdSense and sponsor income documented the way underwriters need.
Brand deals and platform revenue that banks rarely understand.
Show revenue streams and contracts — not just a Schedule C.
Processor payouts and sales data as the basis for approval.
1099 and app-based income without a traditional job.
Recurring revenue and equity-friendly qualification paths.
Rent covers the debt — no personal DTI boxing you in.
STR income on DSCR when long-term returns don’t tell the story.
Digital reserves and assets when the program allows.
Contract income without an employer letter.
High earners on 1099 — programs that match your tier.
Cross-border borrowers with the right down payment and docs.
Cash-heavy operations — qualify on performance, not just net.
LOAN PROGRAMS
Every borrower is different. Here’s what I close — all 26 programs, across 9 states.
NON-QM · SPECIALTY
No Tax Returns Required12–24 months of deposits. No tax returns required. Built for business owners who maximize deductions.
No Tax Returns · Up to $4M
View Program →CONVENTIONAL
As Low as 3% DownCompetitive rates, cancellable PMI, and strong options up to conforming limits and beyond.
W-2 & Self-Employed · 3% Down
View Program →GOVERNMENT
$0 Down · No PMIZero down payment, no PMI. For veterans and active-duty service members who’ve earned every benefit.
$0 Down · No PMI
View Program →INVESTOR
No W-2 NeededQualify on the property’s income, not yours. No W-2, no tax returns, unlimited properties.
No Income Docs · Investors
View Program →JUMBO · LUXURY
Up to $4M+High-value home financing above conforming limits. Multiple qualification paths. Up to $4M+.
$800K–$4M+ · 9 States
View Program →NON-QM
No W-2 · No Tax ReturnsP&L and 1099 income qualification for consultants, freelancers, S-Corp owners, and physicians.
1099 Income · No W-2
View Program →FREE TOOLS
Get a quick estimate. All calculations are estimates only and do not constitute a loan offer.
Loan Term
Estimated Monthly Payment
$0
Principal & Interest: $0
Est. Property Tax: $0
Est. Insurance: $102
Calculations are estimates only and do not constitute a loan offer. Contact Dale Corley for a personalized quote. NMLS #1547543.
LIVE RATES
Updated daily. Have questions about what rate you qualify for? Let's talk.
30-YR CONFORMING
5.875%
− 0.03% Down
30-day range: 5.800% – 5.950%
30-YR JUMBO
6.125%
+ 0.05% Up
30-day range: 6.050% – 6.200%
30-YR FHA
5.625%
− 0.02% Down
30-day range: 5.550% – 5.700%
30-YR VA
5.500%
− 0.04% Down
30-day range: 5.425% – 5.575%
30-YR USDA
5.750%
+ 0.02% Up
30-day range: 5.675% – 5.825%
15-YR CONFORMING
5.125%
− 0.04% Down
30-day range: 5.050% – 5.200%
| Credit band | LTV (illustrative) | Sample rate | Notes |
|---|---|---|---|
| 760+ | ≤60% | 5.75% | Best pricing tier |
| 740–759 | ≤80% | 5.875% | Strong credit |
| 720–739 | ≤85% | 6.00% | Typical A-paper |
| 680–719 | ≤90% | 6.125% | Pricing adjusts |
| ≤679 | ≤95% | 6.375% | Illustrative — varies |
Illustrative pricing by tier — your rate depends on full underwriting factors.
30-YR CONFORMING
−0.09%
vs. prior 30 days
30-YR JUMBO
+0.04%
vs. prior 30 days
30-YR GOVT (FHA/VA)
−0.06%
blended index
15-YR CONFORMING
−0.11%
vs. prior 30 days
Trend view uses placeholder movement for layout — replace with live OBMMI data when embedded.
Rates shown are for illustration only and change daily. Contact Dale for your personalized rate quote.
Rates shown represent sample market averages and assume a primary residence purchase, 80% LTV, 760+ credit score, and 30-day rate lock. Your actual rate will vary based on credit score, loan-to-value ratio, loan amount, property type, loan term, occupancy type, and other factors. Contact Dale for a personalized quote. NMLS #1547543.
WHAT BORROWERS SAY
"Dale is wonderful at making the normally daunting mortgage process not so daunting at all. His patience, willingness to go above and beyond, and expertise were invaluable in our home buying adventure. It was a peace of mind knowing that we were truly being taken care of."
Kelley B.
HOMEBUYER"Thank you so much for your help in securing my mother's mortgage loan. I appreciate your professionalism and words of encouragement from your team. You told us what to do, when to do it, and how to do it. I would highly recommend Dale and his team."
Brandie F.
FAMILY REFERRAL"Dale and his team were a refreshing experience of customer service. They got to work fast and maneuvered the often bumpy process like a luxury sedan. We happily closed in just over a month and are enjoying our new home!"
D. Wil
FHA HOMEBUYERRESOURCES
Expert guidance for business owners, investors, and complex borrowers navigating mortgage decisions.
Bank statement loans, 1099 income, and non-QM programs explained for business owners.
5 min read
The write-off problem, the bank statement solution, and what your CPA isn't telling you.
4 min read
$0 down, no PMI, and the benefit most loan officers never fully explain.
6 min read
FAQ
No credit pull. No commitment. Just a straight answer on whether I can get you approved — and what it'll take.