Licensed Real Estate Professional Since 2005 · Broker Since 2007
For more than two decades, Bilal Salimi has helped homeowners, investors, business owners, and commercial property buyers navigate complex financing and real estate decisions. Unlike many mortgage companies, Bilal brings experience from both the real estate and mortgage industries — so clients receive guidance that extends beyond financing alone.
One advisor. Multiple solutions.
CA DRE #01480904 · NMLS #300923
Select your goal — we match you with the right program and coach you through every step.
Rates change daily and depend on your credit, down payment, property type and loan amount. Get a personalized quote in about 2 minutes — no credit pull.
Answer 4 quick questions — no SSN, no credit pull, no commitment. We'll tell you what you qualify for.
Our job goes beyond paperwork. We anticipate problems before they arise — because after 20+ years in the industry, we've seen every challenge and know how to overcome them before they become yours.
Join our expert-led monthly sessions — no jargon, no hidden agenda, just honest guidance from 20+ years of experience in the field.
Every borrower has a story. Here's how we found solutions when others couldn't.
Real closed loans; borrower names withheld for privacy. Rates shown were for each borrower’s scenario at closing and are not a current offer. Your rate, APR and terms depend on credit, property, loan amount and market conditions.
Self-employed restaurant owner — strong revenue but two years of tax write-offs made income appear too low. Bank declined twice.
12-month personal bank statements — $28K/month deposits documented. Secured $1.2M purchase at 6.99%, closed in 14 days.
Foreign national investor — 12-unit apartment purchase in Fremont. No US credit, overseas income only. Three lenders refused to quote.
Foreign National DSCR — qualified on property cash flow, not personal income. 65% LTV, overseas asset verification, closed in 48 days.
First-time gas station buyer — no industry experience on paper, thin working capital. SBA lender said "too risky."
Coached full SBA packaging — business plan, fuel volume projections, industry comparables. $850K at Prime+2.75%, 25-year term.
ITIN borrower — no SSN, no US credit file. Had been renting 9 years, saving faithfully. Every bank said no.
ITIN loan with alternative credit — rent history, utilities, 12-month bank statements. 80% LTV, $580K first home. Closed in 22 days.
How working with an independent broker compares with going directly to a single bank or lender.
| What Matters to You | Traditional Bank / Lender | SI MTG |
|---|---|---|
| Time to close | Varies by lender and file complexity | Efficient processing · timelines vary by scenario |
| Loan programs | Limited to that lender’s own loan products | 30+ programs across 20+ lenders |
| Self-employed borrowers | Usually qualified on tax returns | Bank statement, P&L, 1099 — no tax returns needed |
| Borrower coaching | Varies by lender | Full coaching — we anticipate every obstacle |
| Foreign nationals & ITIN | Availability varies by institution | Specialized programs — no SSN required |
| Rate competitiveness | That lender’s own pricing | Multiple lenders competing — we shop 20+ partners for you |
| Commercial + SBA | Often handled by separate departments | One team: residential, commercial & SBA |
| Monthly seminars | Education offerings vary by lender | Free monthly seminars for all borrower types |
No credit pull · No commitment · Results same business day
We connect you to the right resource at every stage of your journey.
Reviews from actual SI MTG clients. Individual results vary; your rate, terms and timeline depend on your credit, property, loan amount and market conditions.