30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
30-YR FIXED7.40%▲ +0.12%
15-YR FIXED6.73%▲ +0.13%
10-YR TREASURY4.99%▲ +0.31%
PRIME RATE6.87%▲ +0.12%
FED FUNDS3.75%▲ +0.12%
LIVE · Freddie Mac PMMS / Fed H.15

HARD‑TO‑PLACE
MORTGAGES
HARD‑TO‑PLACE
BUSINESS INSURANCE

I am a Specialty Broker. I help businesses and people find mortgage and insurance solutions when the traditional route does not work.

Specialty Mortgage Broker for Alternative Income Doc Programs — California Licensed

Specialty Broker for Complex, High-Risk, Hard-to-Place Businesses — All 50 States

$30M+
Loans & premiums placed
85+
Clients served
50
States licensed
10min
Free consultation

Need a Quote?

Free, no credit pull, and no obligation.

What Do You Need Help With?
Your info goes straight to Sal. No spam, no selling your data.

2 Solutions.
1 Specialty Broker.

Mortgage

Alternative Mortgage Solutions for Complex Income.

  • Self-Employed
  • 1099
  • Paid in Cash
  • Investors
  • ITIN
  • Per Diem Pay
I Need a Mortgage →
Business Insurance

Coverage Structured for Complex and Hard-to-Place Businesses.

  • High X-Mod
  • High Claims
  • Lapsed
  • Declined
  • Blue Collar Industries
I Need Business Insurance →
Specialty ProgramsSecurity Guard Operations

If you own a security guard or protection agency, I have exclusive programs built for your risk — carriers and programs you can only reach through me, in all 50 states. High X-Mod, high claims, lapse in coverage, and distressed accounts are all welcome.

I Need Security Insurance →
About Sal
Sal — Mortgage & Insurance Broker
DRE
#02442268
NMLS
#2535277
LIC
#4111438
NPN
#19877816

It's Never One Size Fits All

It's the same work on both sides of my desk: underwrite the file deeply, structure it properly, and put it in front of the right desk. There's always a bank, an investor, or a carrier willing to partner — it comes down to how the deal is presented.

  • Deep Pre-Underwriting Every file gets underwritten on our side before it goes out. We find the problems first, so the bank or the carrier doesn't find them later.
  • Exclusive Programs Exclusive security guard coverage and VOE loans other brokers can't quote. We find the right piece, then structure the deal around it.
  • Our Network Runs Deep Direct lines to the banks, investors and carriers that matter — including the desks that never look at a retail submission.
  • In the Market Since 2002 Our back-end team brings 25+ years of market insight and has been funding loans since 2002. We've seen it all.
Client Stories

What Clients Say

★★★★★

“We had an outstanding experience working with Sal. From the very beginning, he was professional, knowledgeable, and always had our best interests at heart. Buying a home can be stressful, but he made the entire process as smooth as possible, keeping us informed every step of the way. We couldn't have asked for a better broker...”

Alisa
New homeowner · Home purchase
★★★★★

“Two banks turned me down. Sal found a bank statement loan and I closed in 30 days. Total game changer for 1099 workers.”

Marcus T.
1099 contractor · First home purchase
★★★★★

“As an entrepreneur, every bank I approached turned me away. Sal got me into a home at 3.5% down with full closing costs covered — and kept every step completely clear and straightforward. I'm a homeowner now because of him.”

Marlo
CEO and new homeowner
★★★★★

“Sal reviewed our entire insurance program and restructured it across all lines. We saved over $289K in annual spend without sacrificing a single dollar of coverage. He doesn't just place policies — he thinks like a risk manager.”

Mirza K.
CFO · Sacramento, CA
★★★★★

“Restructured our workers' comp and GL — saved over $40K annually with better coverage. I send every business owner I know to Sal.”

Diana R.
CEO, construction company · 120 employees
Worked with Sal?
Free Tools

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Estimate a payment, check what you’d qualify for, or see what you could be saving on coverage. No application, no credit pull, and nothing to sign.

INDUSTRY NEWS
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agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d agoMORTGAGEOptimal Blue expands into borrower engagement with Usherpa acquisition1h agoMORTGAGEWhy private homebuilders are getting M&A premiums right now1h agoMORTGAGEBob Broeksmit says tri-merge ‘won’t be around for long’1h agoMORTGAGEWhy eXp Realty chose Newrez for its next mortgage joint venture2h agoINSURANCEAI Pricing Lawsuit Against McDonald’s Raises New Antitrust Questions3d agoINSURANCEA Timeline of Developments in AI Safety Since the Attack on Hugging Face3d agoINSURANCEAI Bubble Risks Worst S&P 500 Crash Since 2008, Strategist Says3d agoINSURANCEViewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments3d agoFEDMinutes of the Federal Open Market Committee, September 15-16, 20265d agoFEDFederal Reserve issues FOMC statement26d ago
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