meet Jonathan Esposito

Welcome! I'm Jonathan Esposito, known as the Creative Home Lender. My expertise lies in crafting unique solutions for entrepreneurs, enabling them to realize homeownership, even if their credit history is less than perfect. I've also assisted numerous business owners in unlocking the value of their home equity to access cash when needed. Discover more about the loan products I offer and how they can benefit you.

Creative Home Lender Owner Jonathan Esposito
Creative Home Lender Owner Jonathan Esposito

Overcoming Traditional Loan Obstacles

When it comes to securing loans, entrepreneurs often encounter obstacles, particularly if they have poor credit or substantial debt. As the Creative Home Lender, my expertise lies in empowering your business endeavors through innovative solutions tailored to diverse situations. Whether you're looking to purchase a home, or tap into your equity without impacting your current interest rate, I've got you covered.

Testimonials

Working with Jon on my cashout was fantastic. We kept our main mortgage at its low rate and opened a 2nd one to tap into our equity. My busy schedule needed flexibility, and Jon delivered. He responded to calls, texts, and emails day or night within an hour. We made quick progress, and I never doubted his intentions – he had our best interests at heart. Start to finish, it was swift, easy, and well-planned. Thanks, Jon!

Elly L

Working with Jon for our refinance was a breeze. He really kept me in the loop throughout the whole process, and we had no trouble staying in touch. He made sure everything got sorted and our loan was good to go. Our business will definitely be reaching out to Jon again for any future mortgage stuff.

Lynn R

Jonathan really goes the extra mile for his clients. He's there to answer all your questions and make sure you understand what's going on. He's super efficient, organized, and professional. Always a pleasure working with you, and thanks for coming through when others couldn't!

Michle K

Jonathan did a fantastic job getting us into our new home, especially since we're new business owners. He really knows his stuff when it comes to loans, rates, and all that good stuff. Super pleased with the outcome! 😊

Van N

My Services

Mortgage for the Self-Employed

Standalone 2nd Mortgage

Mortgage For The Self-Employed

Use your business income to qualify for a home loan. We understand the unique challenges self-employed individuals face. With us, you can qualify without tax returns, using 12- or 24-month bank statements, or P&L only. Loan amounts range from $300K to $6MM, with up to 90% LTV. Explore our flexible terms, including 30 or 40-year fixed rates and an interest-only payment option.

Standalone 2nd Mortgage

Unlock your equity using 12 or 24-month bank statements while keeping your low-rate first mortgage intact. This provides you with 100% cash in hand for various purposes, such as debt consolidation, business expansion, or new investments. Choose from flexible terms, including 10/15/20/30 years, with interest-only options on the 30-year term.

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