What can you expect when you work with me?
You can expect straight answers and steady updates. When something develops in your loan, good or bad, I tell you and your agent right away. I answer my phone. If a program doesn't fit you, I say so and explain why.
My job is matching your file to the right lender. Got Mortgage Solutions works with lenders that typically have fewer overlays, which are the extra rules some lenders add on top of standard guidelines. That gives us more options to review when your income, credit or paperwork doesn't fit a simple box.
Are you buying a home or working with a buyer?
Choose the path that fits you.
I'm buying → Start here if you're buying your first home, you're self-employed, you file taxes with an ITIN, or another lender told you no. You'll find plain answers about programs, documents and next steps.
I'm an agent → Start here if you refer buyers or have a deal in trouble. See how I communicate during escrow, what my pre-approvals include, and how to send a Deal Rescue request.
What loan programs do you offer?
I focus on Non-QM loans for self-employed buyers, along with FHA, VA and conventional loans. Here's a quick look.
- Bank statement loans (Non-QM). Qualify using the deposits in your bank statements instead of your tax returns. A fit for many self-employed buyers who write off a lot of income.
- P&L-only loans (Non-QM). Qualify using a profit and loss statement for your business. Depending on the lender, you can prepare it yourself or have a CTEC-registered tax preparer or CPA prepare it.
- VOE-only loans (Non-QM). Qualify using a written verification of employment from your employer.
- ITIN loans. Buy a home in California using an ITIN, through Non-QM lenders.
- FHA loans. Low down payment options and flexible credit guidelines. Often paired with down payment help.
- VA loans. For eligible veterans, service members and some surviving spouses.
- Conventional loans. Low down payment options are available for qualified buyers. You don't need a large down payment to use one.
Learn more: Self-Employed & Bank Statement Loans · Buying with an ITIN · Down Payment Help · Buying with Family · Told No? Get a Second Look
Do you work with Spanish-speaking buyers?
Yes. I'm fully bilingual, and I can walk you through the whole process in Spanish, from the first call to closing. Versión en español
Where do you lend?
I'm based in Claremont and work with buyers across all of California, from the Inland Empire to Los Angeles, Orange County and San Diego.
What do clients say?
“Very professional and courteous, Bernardo kept me up to date on all activities and responded in timely manner on all my questions. Such a great company, this is my second loan with them and I wouldn't use anyone other than them.”Home Buyer, Refinance
“Bernardo is AWESOME! He was always available to answer any question we had. Our first time buyer experience was pleasant. Highly recommended!”Home Buyer
“The process was very easy and painless. Everyone was very professional, helpful, patient and nice. Bernardo always kept us informed. He is extremely professional, knowledgeable, helpful and honest. He is the best! I would highly recommend him and his office to anyone in need of a lender.”Home Buyer & Refinance
How do I get started?
Apply online when you're ready, or call first if you'd rather talk it through. The application is a secure Got Mortgage Solutions portal. This website does not collect your personal information. After you apply, I review your file and call you to go over your options.
Reviewed by Bernardo Esparza, NMLS #906396 · Updated October 2026