Mitch Chang, Mortgage Lender NMLS #1064309

02/21/2026

One of the biggest misunderstandings about self-employed income is thinking it’s “either you qualify or you don’t.”

In reality, it comes down to how income is evaluated, averaged, and documented.

Two borrowers with the same business can get very different outcomes depending on how their file is structured.

That’s where most frustration comes from.

02/13/2026

Funded.
$650,000 purchase in Compton.

Full-doc — not automatic.

Careful structuring and steady communication kept it moving all the way to the finish line.

Appreciate working with pros who stay solution-focused when things get tight.

02/08/2026

I hear this phrase a lot lately: “The best time to buy was 5 years ago… the second best time is now.”

I get why people say it — but it skips over a lot of reality.

Yes, rates were lower 5 years ago.
But prices were skyrocketing, competition was brutal, contingencies were waived, and many buyers lost offer after offer.

For a lot of people, especially self-employed or non-traditional borrowers, it wasn’t an easier time to buy — it was just cheaper if you won.

There’s no universal “best time” to buy a home.

There’s only the time when:
• the math works
• competition is manageable
• your income is documented the right way
• and the decision actually fits your life

Rates are just one variable — not the whole story.

If you’re thinking about buying, the real question isn’t “Is now the best time?”

It’s “Does this make sense for me, given today’s reality?”
That’s the conversation worth having.

01/30/2026

Not every qualified borrower fits neatly into traditional underwriting boxes.

There are responsible options for self-employed, commission-based, and non-traditional income earners.

12/30/2025

As we step into 2026, here's to health, joy, and a year filled with meaningful moments, strong connections, and plenty of aloha. 🌺

12/15/2025

Tax returns are often the worst way to evaluate self-employed income.

Most self-employed borrowers don’t have an income problem — they have a method problem.

There are modern, common-sense ways to qualify using bank statements, cash flow, and real business income — without relying on tax returns alone.

11/28/2025

08/18/2025

Good things don't always come to those that wait...