We Close the Deals
Retail Banks Turn Down.
I'm Nick Saeva, a Utah mortgage broker for self-employed business owners, real estate investors, and high-net-worth buyers. Bank statements, a CPA-prepared P&L, rental income, or your assets can stand in for tax returns.
Self-Employed? Find Out Which Loan Fits You.
Answer four quick questions about how you earn, what you want to do, and where you think your credit is. I'll look over your answers and call you, usually the same day.
- About a minute, start to finish
- Answering won't pull your credit
- Bank statements, a CPA-prepared P&L, 1099s, or your assets can stand in for tax returns
Nick Saeva, NMLS #2645213
How do you earn most of your income?
Bespoke Lending Solutions
Conventional bank lending processes are automated for standard W-2 salaries. If you write off business overhead, scale portfolios, or leverage liquid holdings, automated underwriting flags your files as risky. I offer premium alternatives.
And you will not be chasing paperwork. Most of what your file needs sits with your CPA or tax preparer, and with your permission I go straight to them and collect it myself.
Self-Employed Entrepreneurs
Skip traditional W-2s and heavy corporate tax filings. Qualify for premium Utah residential assets using gross bank statement deposits or a single 12-month accountant-prepared P&L.
How I work with self-employed borrowersReal Estate Investors
Qualify on what your investment property earns rather than personal DTI structures. Scale portfolios rapidly with Venice DSCR loans on short-term rentals or multi-unit holds.
High-Net-Worth Private Clients
Amortize eligible liquid portfolios divided by 60 months as qualified monthly income streams, completely skipping pay stub audits while leaving your stock positions fully invested.
My Signature Non-QM Products
DSCR Loans
Qualify on rental income, not yours. Loans to $3.5M. No income or job required. Short-term rentals, LLCs, and foreign nationals welcome.
Bank Statement Loans
12 or 24 months of bank statements instead of tax returns. Primary, second home, and investment. Up to $4M.
Asset Utilization
Convert your liquid assets into qualifying monthly income. No employment required. Assets divided over 60 months.
P&L Only Loans
Just a 12-month P&L from your tax preparer. No tax returns, no bank statements. Built for self-employed borrowers.
1099 Loans
Qualify using your 1099s instead of tax returns. Perfect for contractors, freelancers, and gig workers.
Full-Doc Non-QM
W2 or full doc but don't fit conventional guidelines? Non-QM underwriting with interest-only options up to $3M. Max 50% DTI.
Jumbo Non-QM
Luxury home purchases up to $5M. Full or alt doc. Primary residence. FICOs from 620 on full doc.
What Clients Say
"If you're looking for a lender who will not only get you to the finish line but also emotionally support you through the chaos of buying a home… Nick Saeva is your guy. He actually listened, answered every single question we had, and even hopped on calls to help track down documents when things got complicated. He advocated for us and made sure we didn't fall through the cracks. By the end of it, he didn't just feel like our lender — he felt like a genuine friend. We truly would not have gotten our home without Nick."
Kristi R.
Recent
"I am self-employed, and had to do a non-QM loan for business owners. Doing a bank statement loan was the solution for my situation. Nick was very helpful, responsive and kept me informed from start to finish. I felt taken care of. Very valuable asset to the team!"
Warner T.
Recent
"Nick was awesome to work with! My wife and I are both self-employed, so we had to do a non-QM loan, and there were definitely more moving parts and documentation than a normal mortgage. Nick was always easy to get ahold of, kept us updated, and helped us work through everything that came up along the way. Tasha was also a huge help with all of the documentation and made the process a lot easier to stay on top of. I would absolutely recommend Nick, especially to anyone who is self-employed and needs a non-QM loan."
Isaac P.
Recent
"Nick helped my clients purchase their first home with an amazing rate. We were able to beat out other offers thanks to Nick's ability to close quickly and communicate effectively. I'll definitely be referring my clients to Nick in the future. He and his team have truly earned my trust."
Brock S.
Recent
Brokers & Bagels
Are you a Utah real estate agent with self-employed clients, investors, or high-net-worth buyers who keep hearing no from conventional lenders?
Sign up for my Brokers & Bagels campaign. I'll come to your next team meeting with fresh bagels and coffee and spend 15 minutes explaining how easily my Non-QM solutions close difficult deals.
- Fresh local bagels & gourmet coffee delivered.
- Quick 15-minute, high-impact Non-QM cheat sheet.
- Unlock more deals for your self-employed clients.
Run a team or a brokerage? Book an intro call on the realtor page →
Register Your Brokerage
Let's Close Your Next Complex Deal.
Don't let traditional retail banks derail your home purchase or investment plans. Partner with Utah's premier Non-QM specialist.