When your lender says no.

I'm Nick Saeva, a Utah non-QM specialist. Bank statement, DSCR, asset utilization, and P&L loans for the buyers conventional underwriting turns away: business owners, investors, and high-net-worth clients.

Book an intro call Sign up for Brokers & Bagels

The buyers I close that most lenders can't

Every one of these is a real program with real underwriting, not a workaround. Here's who each one is for.

Bank statement loans

Business owners who write everything off. I qualify them on 12 to 24 months of deposits, not their tax returns.

How it works

DSCR loans

Investors buying property number two, four, or ten. The property's rent does the qualifying, and they can close in an LLC.

How it works

Asset utilization loans

Retirees and high-net-worth buyers with real money and no W-2. Their assets stand in for employment income.

How it works

P&L only loans

Self-employed buyers with a CPA-prepared profit and loss statement and no appetite for a paper chase.

How it works

What it's like to send me a buyer

You've worked with lenders who disappear between pre-approval and closing. I built my business on the opposite.

I answer the phone. If I miss you, you hear back within the hour.
Send me a buyer's situation and I'll tell you what's possible before they write the offer, usually the same day.
One point of contact from pre-approval to funding. No call center, no hand-offs.
You hear every update when the buyer does. Nothing lands on the closing table as a surprise.

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, on me.
Quick 15-minute, high-impact Non-QM cheat sheet.
Unlock more deals for your self-employed clients.

Register Your Brokerage

Give me 30 minutes and bring your last dead deal

If you run a team or a brokerage, book a video call. No slide deck. I'll ask about the deals that fell apart on financing this year and show you which ones had a program. You'll leave knowing exactly what to send me and how fast you'll hear back.

The deals your agents lost to a "no" this year, and which of them would have closed with the right program.
What a non-QM file actually needs, so your agents stop chasing documents that don't matter.
How fast I can turn a scenario, and exactly how to send me one.
How Brokers & Bagels works for your team and when I can come by.

Book an intro call

Thirty minutes on a video call. Or just call (385) 226-9668

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