Mortgage loans with down payment help, no-tax-return options, and investor financing.
The right mortgage loan, without the runaround.
Check which loan programs fit you in about two minutes — no documents, no hard credit pull. Built for home buyers and real estate investors across Los Angeles, Orange, Riverside and San Bernardino counties.
- Down payment assistance options
- No tax returns required on Non-QM and DSCR programs
- DSCR loans for rental property investors
Free · No obligation · A few short questions
Where are you buying or investing?
Tap your county to start the eligibility check.
Why these programs
Four programs cover most of the buyers and investors we work with. Each one is handled by Vision One Mortgage on its dedicated site.
FHA Loans
Government-backed purchase loans for a primary home, with flexible credit guidelines compared to conventional loans.
Explore FHA loans →Down Payment Assistance
Assistance programs that can help cover part or all of your down payment and closing costs, for buyers who qualify.
See assistance options →No Tax Returns Required
Non-QM loans that can document income with bank statements or other records instead of tax returns — built for business owners, freelancers and 1099 earners.
See no-tax-return loans →DSCR Rental Property Loans
Investor loans qualified on the rental property's income rather than your personal income or tax returns. Run your own numbers in the calculator below.
See DSCR loans →DSCR calculator
Enter the figures for a rental property you are looking at. Nothing is pre-filled with a rate — the math runs only on what you type in.
Your estimate
For Realtors
More options for your buyers
- Options for buyers other lenders decline — down payment assistance, bank statement income, and DSCR investor loans
- Fast, straight answers on tough scenarios
- Co-branded status updates you can share with your clients
- A direct lender in Tustin — one point of contact, no call center
About Vision One Mortgage
Vision One Mortgage, Inc. is a direct lender based in Tustin, California (NMLS #7861). We help buyers and investors across Los Angeles, Orange, Riverside and San Bernardino counties with FHA loans, down payment assistance, no-tax-return Non-QM loans, and DSCR rental property loans. Every inquiry is reviewed by a real loan officer and every loan is fully underwritten — this page simply helps you find the right program faster.
Free · No obligation · A few short questions