-- Seal Beach mortgage team powered by Lower, LLC focuses on non-QM home loans for business owners, 1099 contractors and real estate investors across California
The Taylor Weiner Team, a Seal Beach mortgage team led by Sr. Mortgage Advisor Taylor Weiner (NMLS 263090) and powered by Lower, LLC (NMLS 1124061), is putting its focus on non-QM home loans for self-employed borrowers, business owners, 1099 contractors and real estate investors in Orange County, Los Angeles County and across California.
Many of these borrowers run healthy businesses but are turned down by their bank because a tax return built to keep taxable income low makes them look unqualified on paper. With the October 15, 2026 extension deadline just passed, many self-employed Californians have now filed 2025 returns whose write-offs make their income look lower than it is, and that is often when a bank declines them.
“Southern California runs on business owners, contractors and investors, and a lot of them get told no by their bank even when their business is doing well,” said Taylor Weiner, Sr. Mortgage Advisor, NMLS 263090. “Most banks don’t offer bank statement, 1099 or DSCR loans at all. Non-QM looks at how people actually earn, and my job is to show them every option they have and what each one costs so they can make the call with the full picture.”
Different Ways to Document Income
Non-QM programs document income differently. Bank statement loans look at business or personal deposits, 1099 income loans and profit-and-loss programs use contractor forms or a CPA-prepared statement, and DSCR loans qualify a rental property on its own rent.
The team has published plain-language guides to each program on its website, including a profit-and-loss guide in September 2026 and a California DSCR loan requirements guide.
Every Eligible Option, Side by Side
For each borrower, The TW Team compares every eligible option, including conventional loans, so the trade-offs are laid out side by side. A self-employed buyer, contractor or investor who has heard no from a bank gets a second look from an advisor who works with non-QM programs every day, an explanation of which documentation path fits their situation, and an honest comparison of the costs and trade-offs against conventional financing before they decide.
Borrowers can talk to the team about which option fits their situation.
About The Taylor Weiner Team
The Taylor Weiner Team is a mortgage team based at 1650 Pacific Coast Highway in Seal Beach, California. Led by Taylor Weiner, Sr. Mortgage Advisor (NMLS 263090), with loan officer Dilza Herrod (NMLS 1494202), the team originates purchase, refinance, home equity, jumbo and non-QM loans through Lower, LLC (NMLS ID# 1124061) for borrowers in Orange County, Los Angeles County and across California, and is licensed in nine states. Lower, LLC is an Equal Housing Opportunity lender. This is not an offer of credit or a commitment to lend; all loans are subject to underwriting guidelines and approval.
What non-QM loans does The Taylor Weiner Team work with?
The Taylor Weiner Team works with non-QM programs including bank statement loans, 1099 and profit-and-loss programs, and DSCR loans. These programs document income differently from a conventional loan and are often used by self-employed borrowers, business owners, 1099 contractors and real estate investors.
How do bank statement loans document income?
According to The Taylor Weiner Team, bank statement loans look at a borrower’s business or personal deposits rather than relying on tax returns to document income.
What is a DSCR loan?
A DSCR loan qualifies a rental property on its own rent rather than on the borrower’s personal income. The Taylor Weiner Team works with DSCR loans for real estate investors in California.
Why are some self-employed borrowers turned down by banks?
According to The Taylor Weiner Team, many self-employed borrowers run healthy businesses but are turned down because a tax return built to keep taxable income low makes them look unqualified on paper.
Media Contact
Company: The Taylor Weiner Team, powered by Lower, LLC (NMLS ID# 1124061)
Contact: Taylor Weiner, Sr. Mortgage Advisor, NMLS 263090
Phone: (714) 658-4912
Address: 1650 Pacific Coast Highway Unit C, Seal Beach, California 90740
Website: https://www.twteam.com/
1650 Pacific Coast Highway Unit C
Seal Beach
California
United States
(714) 658-4912
Release ID: 89209264
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