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   100+ Google Reviews


100+ Google Reviews

Asset Depletion & Self Employed Mortgage Experts
Serving FL, PA, TX, NJ, CA, VA

Asset Depletion & Self Employed Mortgage Experts Serving FL, PA, TX, NJ, CA, VA

We specialize in liquid assets used for qualifying income to get your mortgage done. What many great options that stand out from other mortgage companies!

GUARANTEED BEST PRICING AVAILABLE IN THE MARKET!

Contact us today to get started!

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NMLS #1456473   |   Licensed Mortgage Company   |   Verify HP Mortgage LLC: nmlsconsumeraccess.org

NMLS #1456473
Licensed Mortgage Company
Verify HP Mortgage LLC: nmlsconsumeraccess.org

kevin-danowitz

Your Mortgage Expert

Kevin Danowitz, CEO and Founder

Kevin Danowitz began his mortgage career in 2003, excelling as a top-producing loan originator at multiple banks and becoming an expert in all mortgage products. Frustrated by limited offerings and inflexible approval processes that left qualified borrowers rejected, Kevin founded HP Mortgage LLC in 2015 to provide flexible solutions and help more potential homeowners. His success is built on a simple philosophy: always do what is right for the client. Under his leadership, HP Mortgage has grown exponentially, with a commitment to treating every client like family.

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5 Star Reviews
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Loans Written
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Years Experience

“Since the beginning of my career my philosophy has always been to do right by my clients. Providing impeccable service has allowed me to excel as a mortgage banker. No matter the size of the loan or past credit history, I will always treat everyone of my clients like family.”

Why Choose HP Mortgage For Your Asset Depletion Mortgage?

We’ll Guarantee The Best Pricing in the Market

We have a wealth of information and experience that other mortgage companies cannot offer.

We’ll Treat You Like Family

We treat our clients like family. You are real people to us. We will never jeopardize your home, your family or your finances just to “close another deal”.

Ethical Standards

We will always be honest and upfront—we do not engage in the practice of offering teaser rates to get you in the door, and we always do the right thing.

homebuyers

Our Asset Depletion Products Include:

  • Very Aggressive Asset Depletion Formulas – We use highly favorable calculations to convert your liquid assets into qualifying income, allowing you to maximize your purchasing power without traditional employment income.
  • Using Trust Income – If you receive income from a trust, we can factor this into your loan qualification, helping you secure financing even if your income streams are unconventional.
  • Retirement Income Consideration – Whether your income comes from pensions, Social Security, annuities, or retirement account distributions, we incorporate these funds into your eligibility for a home loan.
  • Combining with Other Forms of Income – We specialize in blending multiple income sources, such as investments, trust distributions, rental income, and retirement funds, to help you meet lender requirements and qualify for a mortgage that fits your financial profile.

What Our Clients Are Saying

We have over 100 Outstanding 5 Star Reviews on Google & Facebook!

  • I highly recommend Kevin Danowitz and HP Mortgage for anyone with unique financial circumstances related to self-employment. In my case, I faced challenges due to a short operating history after leaving my W2 position of nearly ten years and having alternative investments, including digital assets. Kevin's understanding of the mortgage process for self-employed individuals and veterans was exceptional. He explored all potential avenues to achieve VA loan qualification beyond the standard W2 income that most others rely on.

    Nick
  • Simply amazing experience with Kevin and his team. He was able to get us conditional approval the second day we provided our information and the rest was easy sailing. No hassle or stress and we closed in just 20 days. If this rating could go up to a thousand I would give it even more. I can’t recommend Kevin enough he’s absolutely a gem to work with.

    Kourosh
  • Kevin at HP Mortgage was truly a godsend in our ability to get a new home. As we had gone back and forth from independent contractors to employees then back to contractors, it would have been 2 more years for us to get a conventional mortgage. Kevin knows unique ways to get mortgages for those who are self-employed, and we cannot thank him enough for his help!! We are in our dream home now because I found him on google - don't hesitate to use him as your mortgage broker - you will not regret it!

    Susannah
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NMLS #1456273

NMLS #1456273

7495 W Atlantic Ave, Suite 200-293
Delray Beach, FL 33446

Call Now: (800) 974-3129

Licensed by the California Department of Business Oversight, Florida Office of Financial Regulation, New Jersey Department of Banking and Insurance, Pennsylvania Department of Banking and Securities and Bureau of Financial Institutions.

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

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