We Close the Deals
Retail Banks Turn Down.
Specialized lending solutions for Utah's self-employed entrepreneurs, real estate investors, and high-net-worth individuals. Qualify using bank statements, rental income, or liquid portfolios—no tax returns required.
Bespoke Lending Solutions
Conventional bank lending processes are automated for standard W-2 salaries. If you write off business overhead, scale portfolios, or leverage liquid holdings, automated underwriting flags your files as risky. I offer premium alternatives.
Self-Employed Entrepreneurs
Skip traditional W-2s and heavy corporate tax filings. Qualify for premium Utah residential assets using gross bank statement deposits or a single 12-month accountant-prepared P&L.
Real Estate Investors
Qualify on what your investment property earns rather than personal DTI structures. Scale portfolios rapidly with Venice DSCR loans on short-term rentals or multi-unit holds.
High-Net-Worth Private Clients
Amortize eligible liquid portfolios divided by 60 months as qualified monthly income streams, completely skipping pay stub audits while leaving your stock positions fully invested.
My Signature Non-QM Products
DSCR Loans
Qualify on rental income, not yours. Loans to $3.5M. No income or job required. Short-term rentals, LLCs, and foreign nationals welcome.
Bank Statement Loans
12 or 24 months of bank statements instead of tax returns. Primary, second home, and investment. Up to $4M.
Asset Utilization
Convert your liquid assets into qualifying monthly income. No employment required. Assets divided over 60 months.
P&L Only Loans
Just a 12-month P&L from your tax preparer. No tax returns, no bank statements. Built for self-employed borrowers.
1099 Loans
Qualify using your 1099s instead of tax returns. Perfect for contractors, freelancers, and gig workers.
Full-Doc Non-QM
W2 or full doc but don't fit conventional guidelines? Non-QM underwriting with interest-only options up to $3M. Max 50% DTI.
Jumbo Non-QM
Luxury home purchases up to $5M. Full or alt doc. Primary residence. FICOs from 620 on full doc.
What Clients Say
"If you're looking for a lender who will not only get you to the finish line but also emotionally support you through the chaos of buying a home… Nick Saeva is your guy. He actually listened, answered every single question we had, and even hopped on calls to help track down documents when things got complicated. He advocated for us and made sure we didn't fall through the cracks. By the end of it, he didn't just feel like our lender — he felt like a genuine friend. We truly would not have gotten our home without Nick."
Kristi R.
Recent
"Nick was incredible to work with and handled everything professionally and in a timely manner. He always was available and put us first. He would go the extra mile and spent time outside of regular hours to make sure we had everything set. He knew his stuff and was able to help us get what we needed done. I would highly recommend Nick — we will continue to use him in the future."
Braden B.
Recent
"Working with Nick Saeva was an outstanding experience from start to finish. The process can feel overwhelming, but Nick made everything clear, organized, and stress-free. He was always available to answer my questions, explained each step thoroughly, and ensured I felt confident in every decision. His professionalism, responsiveness, and dedication truly set him apart. I highly recommend him to anyone looking for a smooth and successful home financing experience."
AJ P.
Recent
"Nick helped my clients purchase their first home with an amazing rate. We were able to beat out other offers thanks to Nick's ability to close quickly and communicate effectively. I'll definitely be referring my clients to Nick in the future. He and his team have truly earned my trust."
Brock S.
Recent
Brokers & Bagels
Are you a Utah real estate agent with self-employed clients, investors, or high-net-worth buyers struggling with automated mortgage systems?
Sign up for my **Brokers & Bagels** campaign. I will personally drop off fresh bagels and coffee at your next team brokerage meeting and spend 15 minutes explaining how easily our Non-QM solutions close difficult deals.
- Fresh local bagels & gourmet coffee delivered.
- Quick 15-minute, high-impact Non-QM cheat sheet.
- Unlock more deals for your self-employed clients.
Register Your Brokerage
Let's Close Your Next Complex Deal.
Don't let traditional retail banks derail your home purchase or investment plans. Partner with Utah's premier Non-QM specialists.