Persona image · 3:2
Specific to this audience. Not stock, not posed.
Self-employed & business owners
Your tax return says one thing. Your bank statements say another. We can qualify you on the second one.
Self-employed & business owners
Denver, Colorado · NMLS 2249386
Complex income shouldn't mean a complicated mortgage.
Most lenders have one set of rules and hope you fit them. We're a brokerage, so we start with your actual finances — self-employment, rental income, VA entitlement, equity compensation — and find the lender already built for it.
Takes about 2 minutes · No credit check · No impact on your credit score
Hero image · 4:5
Denver. Real, specific, unposed. Not a handshake, not a team meeting.
Find out where you stand before you talk to anybody.
Six questions. No credit check, no documents, no phone call. At the end you'll see which loan programs actually fit — and you can book a call if you want to go further.
Start with your situation, not a product.
Persona image · 3:2
Specific to this audience. Not stock, not posed.
Real estate investors
Qualify on the property's rent, not your personal income. Close in your LLC. Short-term rentals counted.
Real estate investorsPersona image · 3:2
Specific to this audience. Not stock, not posed.
Veterans & active duty
Zero down, no loan cap with full entitlement, and no funding fee at all if you're rated at 10% or higher.
Veterans & active dutyPersona image · 3:2
Specific to this audience. Not stock, not posed.
First-time buyers
3.5% down, credit from 620, and up to $25,000 in Colorado down payment assistance you may not know exists.
First-time buyersPersona image · 3:2
Specific to this audience. Not stock, not posed.
Move-up & jumbo buyers
In Denver, jumbo starts above $862,500 — and right now it's pricing below conforming. 10% down is available.
Move-up & jumbo buyersEvery loan a bank has. Plus the ones they don't.
Banks sell the products they own. As a brokerage we shop a panel of wholesale lenders, which means the conventional options and the ones built for income a bank can't read.
Product
Best for
Qualifies on
Down payment
Link
VA
Veterans, active duty, eligible spouses
Your income + entitlement
0%
FHA
First-time and credit-building buyers
Your income
3.5%
Conventional
Strong credit, standard income
Your income
3–20%
Jumbo
Above $862,500 in Denver metro
Your income + reserves
10%
DSCR
Rental property investors
The property's rent
20–25%
Bank Statement
Self-employed and 1099 earners
Your deposits, not tax returns
10%
General program guidelines as of September 2026, not an offer. Guidelines vary by lender and change. This is not a commitment to lend.
See all loan options
Why a brokerage
One lender has one answer. We have a panel.
A bank loan officer can offer you what the bank owns. If your file doesn't fit, the answer is no — and the reason is usually the bank's guidelines, not your finances.
Read the full breakdownUpfront costs paid by borrowers · 2023 HMDA data
Retail / bank channel
148 bps
Broker channel
115 bps
$10,662
Average lifetime saving against the retail channel
$13,432
Average lifetime saving on a VA loan
The Polygon Research analysis cited above was commissioned by United Wholesale Mortgage and uses 2023 HMDA data. It reflects channel averages, not an offer or a prediction of your own costs.
We do the loans other brokers send somewhere else.
Roughly one in ten mortgages written in the US now sits outside standard qualified-mortgage rules, and it’s the fastest-growing part of the market. Non-QM hit 11.3% of all rate locks in August 2026 — an all-time high. Investor and DSCR loans are more than a third of it.
Here’s what a real DSCR file looks like.
Run your own numbersFour steps. You'll always know which one you're on.
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Talk it through
Day 1 · 20 minutes
A real conversation about your income, your timeline and what you're trying to buy. No documents yet.
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Get your options
Day 1–2
We shop the panel and come back with the two or three programs that genuinely fit, with the numbers side by side.
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Pre-approval
Within 24 hours of full documents
A letter you can put in front of a seller, and one that will hold up.
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Close
We stay ahead of conditions so nothing shows up 48 hours before closing.
Slot A · portrait 4:5
Scott, working. Not a studio headshot against a grey backdrop.
Your broker
Scott McCain
Broker / Owner · NMLS 2249386 · Colorado MLO 100529091
Scott has been placing mortgages since 2021, after a career that started rather differently — as a fly-fishing guide in Wyoming. Patience, preparation and attention to detail transferred better than you’d expect.
He runs McCain Lending Solutions himself, which means the person who takes your first call is the person who structures your file, shops your lenders and answers the phone the night before closing. His hours are not nine to five. If a last-minute approval letter needs writing on a Sunday, it gets written.
Environmental · 16:9
Denver. Wide, environmental, no people looking at the camera.
A boutique mortgage brokerage in Denver, Colorado. Traditional and non-traditional lending for borrowers whose finances don't fit a bank's box.
Questions
Six questions. No credit check, no documents, no phone call. At the end you'll see which loan programs actually fit — and you can book a call if you want to go further.
See What You Qualify ForDo I need 20% down to buy in Denver?
No. FHA is 3.5% down with credit from 580, and Colorado’s CHFA program offers either a grant of up to $25,000 or 3% of the purchase price — whichever is less, and it’s forgiven — or a deferred second mortgage of up to $25,000 or 4%. You take one or the other, not both. Minimum credit score is 620 and every borrower has to complete a homebuyer education course, which is worth booking early because it catches people out. VA loans are zero down for eligible veterans.
What does it cost to use a broker?
Our compensation is disclosed to you in writing before you commit to anything, and in most cases it’s paid by the lender rather than by you. An independent analysis of 2023 HMDA data by Polygon Research (commissioned by United Wholesale Mortgage) found borrowers using independent brokers paid 115 basis points in upfront costs against 148 for retail lenders. You’ll see your own exact figures on your Loan Estimate.
My income is complicated. Is that a problem?
It’s the reason to call. Self-employed borrowers are 51% more likely than salaried borrowers to have had a mortgage application turned down, and 73% get hit with follow-up document requests — not because the income isn’t there, but because tax returns are designed to minimize it. Bank statement programs qualify you on deposits instead. Ask about the expense factor.
Can I qualify on rental income instead of my own?
On a DSCR loan, yes. The property qualifies on its own rent against its own payment, so your personal income and debt-to-income ratio don’t drive the decision. You can close in an LLC, and short-term rental income is accepted on the right program.