One broker · Every loan · No handoffs
Non-QM and Self-Employed Mortgages in FL, NJ, PA, CA, TX, VA
HP Mortgage LLC is a licensed mortgage broker (NMLS #1456273) for borrowers banks turn down: business owners, 1099 earners, real estate investors and retirees. We qualify you on bank statements, a P&L, your savings or a property’s rent instead of tax returns, and place your loan with the wholesale lender whose guidelines fit it. About 90% of our business is alternative-documentation lending.
Kevin Danowitz
Founder · NMLS #924478
FL · NJ · PA · CA · TX · VA
How do you want to qualify?
Bank Statement Loans
12 or 24 months of deposits instead of tax returns. 620 credit.
→ 02P&L and 1099 Loans
A profit and loss statement instead of tax returns. 660 credit.
→ 03Stated Income
Fully stated, no bank statements, purchase or refinance.
→ 04Asset Depletion
Qualify on your savings. 90% of investment accounts counted.
→ 05Non-QM
Every way to qualify outside Fannie Mae and Freddie Mac rules.
→ 06Investors and DSCR
Qualify on the rent. No seasoning.
→ 07Government and Conventional
FHA from 580 credit, plus VA, USDA and jumbo.
→ 08Reverse Mortgages
Retirement income from your equity, no monthly mortgage payment.
→Why work with HP Mortgage?
A broker, not a single bank
Every non-QM lender has its own rules. Kevin compares several wholesale lenders for your file, so one lender’s “no” is not the final answer.
Kevin handles your loan himself
In mortgage lending since 2003, starting at Chase Manhattan. Founded HP Mortgage in 2015. Consistently one of the top-producing brokers with his wholesale lenders since 2017.
No teaser rates
We quote your actual file, not a rate you will never get.
About 30 days to close
Like any other mortgage.
What our clients say
“It’s like a dream come true. I’m finally a homeowner. I almost gave up because so many banks turned me down, but he was able to work his magic and he made it happen.”
Kristy, Pittsburgh, PA
110 Google reviews · 4.8 average · as of October 2026 · Read all reviews
Licensed in six states
Florida, New Jersey, Pennsylvania, California, Texas and Virginia.
Talk to Kevin about your situation