




Have a credit score of 680+
Are self-employed or a business owner
Are buying or refinancing in California
Want real answers — not call center scripts
Need a fast, clear path to funding
If that’s you — you’re in the right place.
Because you're self-employed…
Because your credit isn’t perfect…
Because your income doesn’t fit their boxes…
It’s not your fault. Banks can sometimes play by rigid rules that overlook real life situations
Self-Employed? We use bank statement loans that reflect your real income.
Tight Deadline? Average closing in 15–30 days — no more waiting forever.
Unique Credit Situation? Creative loan solutions tailored just for you.
Traditional Buyer? We’ll fight to secure the best rates.
Bottom Line:
Find out if you qualify in 60 seconds.





For the past 21 years we’ve helped hundreds of California families, entrepreneurs, and real estate investors do what most banks won’t:
Close loans that other lenders call “too complicated.”
Whether you’re self-employed, investing in multi-unit properties, or navigating a non-traditional income situation — The Loan Genius finds a way.
"They said I couldn’t qualify. Marquise proved them wrong." —Tara D., Glendale
Why does his approach work when others fall short?
Because we don’t believe in one-size-fits-all mortgages. We believe in creative strategies, custom solutions, and putting in the work to get you to the finish line.
Nope. We do not perform a hard credit pull at this stage. The initial pre-approval check is based on the information you provide — there’s absolutely no impact on your credit score.
Many of our clients receive initial approval within 24–48 hours, and some close in as little as 21 days. If you’re prepared with your documents and have solid credit (680+), we’ll move quickly.
Absolutely. We specialize in working with self-employed borrowers, entrepreneurs, and 1099 earners. We offer bank statement loans and other creative financing options that traditional lenders often overlook.
That’s exactly why The Loan Genius exists. We’ve built a reputation for closing the “tough” loans other brokers won’t touch — especially for high-FICO clients with complex financial profiles. Don’t count yourself out.
Absolutely. Whether you’re buying your first home or your fifth rental property, we’ve got you covered. First-time buyers love our step-by-step guidance, while investors appreciate our ability to structure creative financing for multi-units, BRRRR strategies, or cash-out refi’s. We make complex loans simple.
No judgment. No gimmicks. Just a smart mortgage strategy that works.

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