You have probably noticed that every mortgage website lists the same loan types. FHA, VA, conventional, jumbo, fixed, adjustable. Those are fine. Anna offers all of them. But listing the same loans as everyone else does not help you if you have a problem that standard loans cannot solve.

Maybe you are self-employed and your tax returns show very little taxable income after legitimate deductions. Maybe you are a physician with $400,000 in student loans and every bank says your debt-to-income ratio is too high. Maybe you are a veteran with credit in the 400s and three lenders have already said no. Maybe you are a real estate investor who wants to scale your portfolio but your personal tax returns do not reflect your actual cash flow. Maybe you have high income but credit setbacks, and you need a jumbo loan that does not require a seven hundred forty FICO score.

Anna Kleopoulos built her entire career on solving those exact problems. She is backed by Loan Factory and its 240+ wholesale lenders, including niche programs that most brokers do not even know exist. The loans below are organized into two groups. First, the loans that make Anna different — the ones she uses when standard options fail. Second, the standard loans that everyone offers, which Anna offers at lower rates and with fewer fees because of Loan Factory's zero markup pricing model.

The Loans That Solve Real Problems

These are the loans that Anna reaches for when a borrower has been told no somewhere else. If any of these situations sound like yours, you are in the right place.

Bank Statement Loans (For the Self-Employed)

If you own a business, your tax returns might show very little taxable income after you deduct legitimate business expenses.

Bank statement loans ignore your tax returns. Anna qualifies you using 12 to 24 months of personal or business bank statements, looking at actual deposits rather than taxable income. She averages your monthly deposits, deducts a reasonable expense ratio, and uses that number to qualify you for a mortgage. This is how doctors, contractors, restaurant owners, real estate agents, gig economy workers, and small business owners buy homes when traditional banks say their income based off tax returns is too low.

Physician Loans (100% Financing, No PMI, Student Loans Excluded)

Medical professionals have high salaries and even higher student debt. Traditional debt-to-income calculations count that student loan payment against you, often making a mortgage impossible or limiting you to a much smaller home than your income would otherwise support.

Physician loans solve this problem. They exclude student loan payments from the debt-to-income calculation entirely. They also offer 100% financing up to two million dollars with no mortgage insurance. There is no down payment and closing costs can often be rolled into the loan or paid by the seller.

Non-QM Jumbo Loans

Non-QM jumbo loans are different. They are not backed by Fannie Mae or Freddie Mac, which means lenders can use alternative credit data to approve borrowers. Anna uses non-QM programs that approve borrowers with credit scores in the 500s using twelve months of timely rent payments, utility bills, cell phone bills, and even streaming service subscriptions. She can also use asset depletion — drawing on retirement accounts, investment portfolios, or cryptocurrency holdings — to supplement income.

These loans work for borrowers who have high income, significant assets, and a credit score that does not reflect their actual ability to pay. A divorce, a medical event, a business failure, or even identity theft can wreck a credit score for years. Non-QM jumbo loans look past the number to the real person.

VA Loans With Manual Underwriting (For Veterans With Low Credit)

VA Loans for Lower Credit Scores

Anna works with VA lenders that manually underwrite loans and consider the full financial picture—including residual income, employment history, savings, and overall payment performance—not just a credit score.

She has helped veterans secure financing after being turned down elsewhere by structuring the file to highlight strengths and compensating factors. If you've been told no, it may be worth getting a second opinion.

DSCR Loans for Real Estate Investors



DSCR (Debt Service Coverage Ratio) loans allow investors to qualify based on a property's rental income rather than personal income. If the property's expected rent is sufficient to cover the mortgage payment, borrowers can often qualify without providing tax returns, W-2s, or traditional income documentation.

These loans are ideal for investors looking to grow their portfolios and self-employed borrowers with significant rental income. Anna offers DSCR financing with low down payment options and cash-out refinance programs for investment properties.

The Traditional Loans Anna Also Offers (Done Better)

These are the standard loans that every broker offers. Anna offers them too. But because she is backed by Loan Factory and its 240+ wholesale lenders, she offers them at lower rates and with fewer fees than you will find at a retail bank or online lender.

What About Commercial and Business Loans?

Anna specializes in every kind of commercial loan; SBA loans, conventional commercial loans, DSCR loans, bridge loans, construction loans, hard money loans, commercial line of credit, multifamily loans, equipment financing and so much more.

Reach out to Anna for a free, no obligation consultation.

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