- Spectrum One Mortgage
- Lake Havasu City
- Arizona
Business Owners Qualify Differently
Cash flow tells the real story. Paul helps self-employed professionals, investors, and high-net-worth borrowers finance Arizona homes when a tax return understates the business.
Work with Paul on jumbo and bank statement loans, plus asset-based, DSCR, refinance, and cash-out paths matched to how you actually earn.
No pressure. Just expert guidance.
Who we serve:
- Business Owners
- Dentists
- Professional Athletes
- Contractors
- High Net Worth Families
- Entrepreneurs
- Attorneys
- Entertainment Industry
- Builders
- Physicians
- Investors
- Tech Executives
- Realtors
200+ five-star reviews
Google · Facebook · Yelp · Zillow
“Your financial success is bigger than a tax return. Your mortgage should reflect that.”
Paul Healey
Spectrum One Mortgage · Company NMLS #332549 · Paul Healey NMLS #328365
Get Pre-Approved
Traditional & government-backed programs
When a conventional path fits, Paul will tell you, and place it well.
- Buy a Luxury Home
Jumbo and super-jumbo purchase financing across Arizona, from 10% down.
- Access Home Equity (Cash-Out)
Review cash-out and second mortgage strategies with alternative documentation options.
- Refinance My Mortgage
Compare rate, term, and cash-out refinance paths across every program.
- I'm Self-Employed
Bank statement and stated income programs for business owners and 1099 earners.
- Investor / DSCR Loan
Investment property financing qualified on rental income, not your tax returns.
- Qualify Using My Assets
Asset-based mortgage strategies for retirees, investors, and high-net-worth households.
Arizona
Statewide service
As cited in
As heard on & featured in
KFI AM 640
Los Angeles radio
KNX 1070 / 97.1 FM
Southern Arizona news radio
National Law Review
Published closings
Access Newswire
Press coverage
Loan programs
One clear action per program. Every path starts with a real conversation about your goals.
Cash flow tells the real story
Bank statement loans. Self-employed income reviewed through 12-24 months of deposits.
Unlock the wealth in your home
Cash-out refinance and second mortgages, including alternative documentation options.
The house matches the business
Jumbo loans. High-balance purchase and refinance for Arizona luxury markets.
Cash flow wins
DSCR investor loans. Qualify on rental income, not personal tax returns.
How it works
Apply or schedule a consultation
Start with a direct conversation, by phone or calendar. Arizona answers, not a call center.
Review custom loan options
Compare jumbo, bank statement, DSCR, and alt-doc paths matched to your goals and documentation.
Choose your financing strategy
Move forward with clear next steps, weekly status updates, and expert guidance to closing.
Ready to explore your financing options?
A 15-minute conversation is usually enough to know which program fits, and what it will take to close.
Recent Closings
Recent published closings include an $8M Orchard Hills Irvine purchase (1031 plus bank statements), a $2.1M Huntington Beach purchase in three weeks on a P&L, and a Hollywood purchase on assets as income in 17 days.
$4.85M purchase
Bank statement loan
$2.75M purchase
Bank statement program
$2.24M refinance
P&L loan
$2M purchase
Bank statement loan
Read the case studies → or call Paul at (949) 606-4117
What clients are saying
Paul helped us get approved for a 10% down jumbo loan and buy our dream home. We now spend less on our mortgage than we did on rent.
Anna R. & Vito L.
First-time jumbo buyers
After critical delays with a major lending institution fourteen days into escrow, we shifted our file to Paul. Her team stabilized the loan, kept every deadline, and closed on time. We highly commend Paul and her team for their efficiency and professional excellence.
D. Beuhler
Purchase client
Closing in just over three weeks was exceptional. I have complete confidence in Paul and have recommended her to friends and family.
Al & Heather H.
Purchase clients
Have a mortgage question?
We’re here to help, no strings attached. Ask Paul anything about your scenario.
Common questions, straight answers
Can I really get a mortgage without tax returns?
Yes. Bank statement, P&L, asset-based, and DSCR programs document your ability to repay using bank deposits, business financials, assets, or rental income instead of tax returns. These are fully underwritten loans, just measured against the way self-employed income actually works. Start with bank statement loans.
What makes a loan "jumbo" in Arizona?
Any loan above the conforming loan limit for your county is a jumbo loan. In Paul high-cost coastal counties that threshold is higher than the national baseline, and many luxury purchases exceed it. See jumbo loan options and our 2026 California loan limit guide.
I was denied by my bank. Does that mean I can't qualify?
Not at all. Banks typically offer a narrow menu of conventional products. As a broker with direct lending capability, Paul matches your file to lenders whose guidelines fit your income structure, many of her published closings came after other lenders said no. See real examples.
How fast can a loan close?
Timelines depend on the program, appraisal, and documentation, but well-prepared files routinely close in three to four weeks, and Paul has closed complex purchases in as few as 17 days when the timeline demanded it.