Mortgage Solutions Tailored To Your Special Situation

Welcome to SI MTG, the mortgage division of SI, a premier one-stop-shop real estate and mortgage brokerage serving Northern California. With over 20 years of experience in the real estate and mortgage industry, we are dedicated to helping you secure the lowest rates on the market with efficient and personalized service.

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Need a customized rate? Call or Chat with our experts now to find the perfect mortgage solution tailored just for you!

Don’t settle for estimates—speak with us directly to lock in the most accurate and competitive rate just for you!

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20+

Experience

We know that securing financing, whether for a home or a business, can be a stressful process. Our goal is to give you peace of mind throughout the entire mortgage journey. We strive to offer a better, more transparent experience that puts you first. By focusing on your unique needs and goals, we build relationships that go beyond the closing table.

Our Mission

To provide our clients with the lowest rates in the market while delivering efficient, personalized service. We put your best interests first, offering guidance and transparency throughout the loan process.

For us, it’s all about creating a seamless experience where you feel confident and supported at every step.

Simplified home purchase solutions with competitive financing and expert guidance for a smooth experience.

Home Purchase

Innovative and creative ideas to inspire fresh perspectives and drive unique solutions for your projects.

Creative Ideas

Diverse loan options tailored to meet various financial needs, providing flexibility and competitive rates.

Loan Options

Round-the-clock support to assist you anytime, ensuring help is always available when you need it.

24/7 Support

Program

12/24 Month Bank Statement

  • Min.FICO 620
  • Up to 90% CLTV

A perfect fit for self-employed borrowers

  • Personal, business, or combined bank statement
  • 3 months of reserves
  • Concierge Service for income calculation
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Foreign Nationals Full Doc

  • No score or FICO 660
  • Up to 75% CLTV

Qualify Foreign National borrowers with overseas income

  • Loan amounts up to $2 million
  • Overseas assets allowed
  • RON allowed
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Foreign Nationals DSCR

  • No score or FICO 680
  • Up to 70% CLTV

Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings

  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
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WVOE

  • Min.FICO 620
  • Up to 80% CLTV

A loan solution for salaried borrowers with no tax returns

  • FNMA Form 1005
  • 3 months of reserves
  • No tax returns required
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Fast and intuitive

  • Min.FICO 620
  • Up to 80% CLTV

Close DSCR loan with the fastest turn times in the industry

  • No ratio loans
  • No income no employment
  • Condotels, condo, SFR, townhomes, 2-4 units, PUD, short-term rentals, leasehold, SFR rural, manufactured housing
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1Y + 2Y P&L

  • Min.FICO 660
  • Up to 80% CLTV

The easiest alternative solution for self- employed borrowers

  • P&L by a licensed CPA, enrolled tax agent, or licensed tax preparer
  • No bank statements required if CLTV <= 65%
  • Loan amounts up to $4 million
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1Y or 2Y Full Doc Non- QM

  • Min.FICO 620
  • Up to 90% CLTV

A flexible Non-QM solution for Full Doc borrowers

  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied
  • 3 months of reserves
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1099

  • Min.FICO 620
  • Up to 85% CLTV

An ideal loan for sole proprietors or contract individuals 

  • 1099s for the last 1 year
  • 1-year history with the same employer
  • Gift funds allowed
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Asset Utilization

  • Min.FICO 620
  • Up to 80% CLTV

An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed

  • Qualifying assets / 60 months
  • 3 months of reserves
  • Loan amounts up to $4 million
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Prime Jumbo

  • Min.FICO 680
  • Up to 80% CLTV

A solution for borrowers seeking large home loans

  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
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FHA High Balance

  • Min.FICO 620
  • Up to 97.75% CLTV

A mortgage option allowing for larger loan amounts in high-cost areas

  • Loan amounts up to $1,149,285
  • DTI up to 55%
  • Primary residence, second home
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FHA Streamline Refinance

  • Min.FICO 640

Current FHA loan refinance solution with minimal requirements

  • No appraisal for stick-built properties
  • Min. 6 payments on current FHA loan
  • Primary residence
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FHA Standard

  • Min.FICO 620
  • Up to 97.75% CLTV

Qualify homebuyers with limited down payment capabilities

  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
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Second Mortgage

  • Min.FICO 660
  • Up to 85% CLTV

A solution to secure additional funding with existing equity

  • Loan amounts up to $500,000
  • DTI up to 50%
  • Owner-occupied, second home, or investment
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Freddie Mac Refi Possible

  • Min.FICO 620
  • Up to 97% CLTV

A flexible refinance option with simplified underwriting

  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
Learn More

Fannie Mae RefiNow

  • Min.FICO 620
  • Up to 97% CLTV

A flexible refinance option with simplified underwriting

  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, second home, or investment
Learn More

Conventional High Balance

  • Min.FICO 620
  • Up to 97% CLTV

Qualify homebuyers seeking properties exceeding the standard limits

  • Loan amounts up to $1,149,825
  • Primary, secondary homes, and investment
  • More competitive rates and easier guidelines
Learn More

Hard Money

  • Min.FICO 580
  • Up to 70% CLTV

A solution to bridge the gap when transitioning from one home to another

  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
Learn More

Find the Perfect Mortgage Solution for You

Whether you’re self-employed, a foreign national, or simply looking for flexible, efficient financing options, our range of specialized loan programs caters to diverse needs. From streamlined income documentation to concierge service for hassle-free income calculations, we make borrowing simple and tailored to your circumstances.

Discover How Our Programs Can Work for You

Our team is here to guide you every step of the way. Get started today to unlock tailored mortgage solutions and achieve your financial goals.

Explore Your Options & Apply Now!

Residential Finance​

Solutions tailored for home purchases, refinancing, and investment properties, providing flexible options to meet diverse financial needs.​

First Time Home Buyer Programs​

Designed to make homeownership accessible with customized financing options, low down payments, and guidance for new buyers.

Investment Property Loans​

Offering tailored financing options to support your goals in real estate investment and portfolio growth.

Commercial Real Estate Loans, Conventional, and SBA 7a, SBA 504, EQUIPMENT LOAN​

We offer comprehensive commercial real estate loans, including conventional, SBA 7a, SBA 504, and equipment financing solutions tailored to support business growth and expansion.

Customized Mortgage Solutions for Diverse Financial Profiles​

Discover tailored mortgage solutions designed to meet the unique needs of diverse financial profiles, ensuring flexibility and support for every client’s journey to homeownership.

Solutions tailored for home purchases, refinancing, and investment properties, providing flexible options to meet diverse financial needs.

Residential Finance​

Designed to make homeownership accessible with customized financing options, low down payments, and guidance for new buyers.

First Time Home Buyer Programs​

Offering tailored financing options to support your goals in real estate investment and portfolio growth.

Investment Property Loans​

We offer comprehensive commercial real estate loans, including conventional, SBA 7a, SBA 504, and equipment financing solutions tailored to support business growth and expansion.

Commercial Real Estate Loans, Conventional, and SBA 7a, SBA 504, EQUIPMENT LOAN​

Discover tailored mortgage solutions designed to meet the unique needs of diverse financial profiles, ensuring flexibility and support for every client’s journey to homeownership.

Customized Mortgage Solutions for Diverse Financial Profiles​

Our Testimonials

What Our Clients Say?

Very good advisor helped me customize my insurance for my needs and followed through with all the paperwork.

Dr. Allen T Kitchener

Very good advisor helped me customize my insurance for my needs and followed through with all the paperwork.

Dr. Allen T Kitchener

Very good advisor helped me customize my insurance for my needs and followed through with all the paperwork.

Dr. Allen T Kitchener

Very good advisor helped me customize my insurance for my needs and followed through with all the paperwork.

Dr. Allen T Kitchener

Contact Us Today!

Experience the SI MTG difference. Let us help you navigate the mortgage process with ease and confidence. Reach out to us to learn more about how we can assist you in achieving your real estate goals.

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Building Brighter Futures,
One Home at a Time

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Frequently Asked Questions

A mortgage broker acts as an intermediary between you and lenders. Instead of working for just one lender, we work with multiple lenders to find the best mortgage products and rates tailored to your unique financial situation. We handle the legwork—comparing rates, terms, and loan programs—so you don’t have to.

We’ll assess your financial situation, including your income, credit score, and debt-to-income ratio, to help determine if you’re ready. If you’re not quite ready, we’ll provide a step-by-step plan to help you prepare.

We offer a wide range of mortgage products, including:

Residential: Conventional loans, Jumbo loans, FHA & VA loans, Bank Statement & 1099 loans, DSCR loans, Reverse mortgages, Land & Construction loans, and Fix and Flip loans.

Commercial: Commercial property loans, SBA 7(a) loans, SBA 504 loans, and Commercial construction loans.

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Looking for a Loan?

We are an independent mortgage brokerage licensed through DRE, proudly serving clients since 2007.

DRE#01480904 and NMLS# 300923
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Get In touch

  • 510-786-8739
  • info@simtg.com
  • 44840 South Grimmer Blvd Fremont, CA 94538

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