GEM Lending Team - Neo Home Loans, NMLS# 972639

04/21/2026

Most self-employed borrowers think they don’t qualify because of their tax returns

But there are loan options designed for how you actually earn income

I use these all the time with my clients

1. Bank Statement Loan
Instead of using tax returns, we use 12–24 months of your actual deposits to qualify

2. P&L Loan
If you have a CPA-prepared profit and loss statement, you may not need tax returns or W2s at all

3. DSCR Loan
For investment properties, you can qualify based on the rental income the property generates, not your personal income

I just helped a client qualify using one of these after being told no elsewhere

If you’re self-employed and have felt stuck, there’s a good chance you have more options than you think

Comment “SELF EMPLOYED” or send me a DM and I’ll walk you through what this could look like 👀

12/21/2024

5.0 star review received on Experience.com for Megan Sawamura by CHIAKI N - She gave us advice while looking ahead to ensure everything goes smoothly.

Click to see all 196 reviews of Megan Sawamura, Branch Manager | Co- Creator

12/11/2024

5.0 star review received on Experience.com for Megan Sawamura by JEFFREY K N - Your team was well informed and alwasy available to walk me through any issues and/or concerns.

Click to see all 196 reviews of Megan Sawamura, Branch Manager | Co- Creator

10/23/2024

5.0 star review received on Experience.com for Megan Sawamura by Myrna M - Thank you! I truly appreciate the support that you gave me. I was very worried about going through this but your team helped me get this accomplished.

Click to see all 195 reviews of Megan Sawamura, Branch Manager | Co- Creator

10/12/2024

5.0 star review received on Experience.com for Megan Sawamura by Olivia L R - Truly, this is my second propoerty and I used a different lender with my first purchase. From the beginning with Megan, on our intro call - she really took the time to tell her story, Neo Govs story, how the relationship would look and set CLEAR expectations. I cannot stress how important that this is for the process. I went ahead and gave my first lender the benefit of the doubt to have them sell themselves, and I couldn't even compare the two; Neo Gov shot it out of the water, and I did not hesitate to commit to our relationship. The portal made things very easy for documents, text/calling 24-7 made it productive, and the world class work ethic aligned with me and how I operate. I will be working with Megan and team moving forward as I build my real-estate portfolio. Thank you Neo Gov!!!

Click to see all 194 reviews of Megan Sawamura, Branch Manager | Co- Creator

09/28/2024

🏡 By investing in a home, you're building equity and creating a foundation for long-term wealth. Let your home be the key to your financial future! 🌟

09/26/2024

🏡 3 Things you need to know about the mortgage process:

1. Pre-Approval: Start by getting pre-approved for a mortgage. This will give you a clear idea of your budget and show sellers you’re a serious buyer.

2. Understanding Loan Options: There are various mortgage options, such as fixed-rate, adjustable-rate, FHA, and VA loans. It’s important to understand which one fits your financial situation best.

3. Closing Costs: Be prepared for additional expenses beyond your down payment, such as closing costs, which typically range from 2% to 5% of the loan amount.

Our team is here to guide you every step of the way, making sure you understand the process and find the best loan options for your needs. Let’s get you into the home you’ve always wanted! 🌟

09/24/2024

Thinking about buying or selling your home? 🏡 Understanding the real estate market is key to making smart decisions. Here are three important factors to keep in mind:

Market Trends: Keep an eye on local market trends, such as average home prices and inventory levels. Knowing whether it's a buyer's or seller's market can help you time your move.

Location, Location, Location: The value of a property is heavily influenced by its location. Consider factors like school districts, amenities, and future development plans in the area.

Interest Rates: Mortgage rates play a big role in your buying power. Even a small change in rates can affect your monthly payments and the overall cost of your loan.

Understanding these basics can help you navigate the real estate market with confidence. Ready to dive in? Send us a message today to set up a chat!! 🏠💼

09/22/2024

Happy First Day of Fall! 🍁 The season of cozy sweaters, pumpkin spice, and colorful leaves is finally here. As the air turns crisp and the days grow shorter, let's take a moment to embrace the beauty and warmth of autumn. Here’s to bonfires, apple picking, and all the wonderful moments that make fall our favorite time of year! 🍂✨

09/14/2024

Ready to become a homeowner? 🏡 It’s an exciting milestone, but with today’s limited housing options and affordability challenges, it can feel overwhelming. To help you get started, here are three valuable tips for finding your first home. Want to learn more? Drop a comment below! 🌟