Are you a successful entrepreneur that has been turned down for a mortgage because you do not fit the profile of a "big box" commercial bank? We can help!


We offer a number of bank statement and 1099 mortgage loan programs where we calculate your actual income before your deductions to the IRS. Sound appealing? Give us a call and we can take you through the process.


We love working with independent business owners and understand their needs primarily because we are independently employed just like you are.

  • Loan amounts up to $3M

  • Use 12 or 24 month bank statements, 1099's or asset depletion to qualify

  • No tax transcripts or tax returns required

  • No CPA letter 

  • DTI up to 50%, 620 min. FICO

  • 4+ years major derogatory credit

  • $1.25M cash out at 80% LTV, $1M cash in hand

  • Up to 15 financed properties

  • Fixed 30; ARM 5/1, 7/1, 10/1 – all with optional Interest Only

  • 90% LTV Purchase/Rate & Term – No MI (85% LTV Condos)


We understand the unique needs self- employed individuals have when it comes to financing a home.

This program allows self-employed individuals to use 12 or 24 months’ personal and/or business bank statements, 1099 or asset based income, a self prepared P&L, to support their income in qualifying for a mortgage.

First time homebuyers and seasoned homeowners alike are eligible to finance or refinance a new home, second home, or investment property with this program.

San Juan Mortgages

Powered by Arbor Financial Group

Debra Markovich, 

Managing Director

PO Box 221

Ridgway, Colorado 81432

(970) 615-0363
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Matt Marovich, Mortgage Banker

(949) 933-3838

CO MLO 100508767

NMLS 268616

This is not a commitment to lend. Restrictions apply as to LTV and credit score. Rates and terms are subject to change without notice. Terms based on loan program guidelines and APR. The credit may not be extended if we find that you do not meet the criteria used to select you for this offer. The products displayed are based upon customers who have not been late on any other mortgage payments, been discharged in bankruptcy or have been subject to foreclosure. APR based on specific loan amount posted. Program savings available upon confirmed qualifications. National Mortgage Licensing System #236669. Arbor Financial Group License #0185041. Call for details.