From first-time buyers to self-employed entrepreneurs — there's a Non-QM or traditional solution for every borrower.
Government-Backed Financing
Federal Housing Administration (FHA) loans are one of the most accessible mortgage programs available — and one of Celina's most requested. Backed by the federal government, FHA loans offer lower down payment requirements and more flexible credit guidelines than conventional financing, making them an excellent gateway to homeownership for many buyers.
Whether you're purchasing your first home or recovering from a financial setback, an FHA loan could be the bridge between where you are today and where you want to be.
For Those Who Served
VA loans are one of the most powerful mortgage benefits available to eligible veterans, active-duty service members, National Guard members, reservists, and surviving spouses. As a token of our nation's gratitude, the VA loan program offers some of the most favorable terms in the entire mortgage market.
Celina has extensive experience working with military families in San Diego — home to one of the largest military communities in the country — and she's honored to help veterans take full advantage of the benefits they've earned.
The Gold Standard
Conventional loans are the most common mortgage type in the U.S. — and for good reason. Not backed by a government agency, conventional loans offer greater flexibility in terms of loan amounts, property types, and usage. For borrowers with solid credit and stable income, they often provide the most competitive rates and terms available.
Whether you're buying a primary residence, a vacation home, or an investment property, conventional financing likely has an option that fits your situation.
For Real Estate Investors
Debt Service Coverage Ratio (DSCR) loans are a game-changer for real estate investors. Instead of qualifying based on your personal income and tax returns, DSCR loans evaluate whether the rental income from the property is sufficient to cover the mortgage payments.
This makes DSCR an ideal solution for self-employed investors, those with complex tax situations, or anyone looking to grow a real estate portfolio without the documentation burdens of conventional financing.
International Buyers Welcome
Foreign National loans are specialized mortgage products designed for non-U.S. citizens who wish to purchase property in the United States. Whether you're investing in California real estate, buying a vacation home, or establishing a foothold in the U.S. market, Celina has the experience and lender relationships to make it happen.
These loans have unique documentation requirements that differ from traditional U.S. mortgages, and navigating them successfully requires an expert who truly understands the nuances — that's where Celina shines.
Non-QM · Self-Employed
Bank Statement loans are built for self-employed borrowers, entrepreneurs, and business owners who don't show traditional W-2 income. Instead of tax returns, Celina qualifies you using 12 or 24 months of personal or business bank statements — capturing your true cash flow, not just what's left after write-offs.
High-Value Financing
Jumbo loans are designed for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In high-cost markets like San Diego, many standard homes require jumbo financing. Celina works with multiple jumbo lenders to find competitive rates and terms for high-value purchases.
Non-QM · Contract & Gig Workers
1099 loans are perfect for independent contractors, freelancers, gig workers, and commission-based professionals who receive 1099 income rather than a traditional W-2. Celina uses 1 to 2 years of 1099 statements to document your income — no full tax return analysis required.
Non-QM · Business Owners
Profit & Loss loans allow self-employed borrowers to qualify using a CPA-prepared Profit & Loss statement rather than full tax returns. This is ideal for business owners whose tax returns don't reflect their actual earning power — often due to legitimate deductions that reduce taxable income on paper.
Non-QM · ITIN Borrowers
ITIN loans are specifically designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) but do not have a Social Security Number. This program opens the door to homeownership for many immigrants, non-residents, and others who contribute to the U.S. economy but don't qualify for traditional financing.
No matter where you're starting from, Celina has the experience and programs to help you move forward with confidence.