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Loan Services

Our Services

At Bay Area Realty and Construction, we offer a range of loan services designed to cater to the varied needs of our clients in the real estate market. Our team specializes in crafting personalized financing solutions for home buyers and construction projects, ensuring you can access competitive rates and favorable terms. We pride ourselves on taking a personalized approach and dedicating time to understanding your unique financial situation and real estate objectives. Our goal is to streamline your financing process, making your journey toward property ownership or development as smooth and efficient as possible. For more information, services, and daily rates, please contact us.

No Job No Income

The No Job No Income loan service is designed for individuals who may not have a traditional employment situation or verifiable income, offering a unique solution for accessing financing. This innovative service caters to those who might be self-employed, investors, or individuals with alternative income sources, allowing them to secure loans based on criteria other than employment status or regular income. By focusing on other factors such as collateral or the potential for investment returns, the No Job No Income loan provides a flexible financing option. This approach enables a broader range of borrowers to pursue their financial goals, whether for personal use or investment purposes, without the constraints of conventional loan requirements.


The Debt Service Coverage Ratio (DSCR) loan service is a critical financial assessment tool used by lenders to evaluate the cash flow of income-generating properties and the borrower's ability to cover loan payments. This service calculates the ratio of net operating income to mortgage debt service, providing a clear picture of an investment property's financial health. DSCR loans are particularly beneficial for real estate investors, as they focus on the property's income potential rather than the borrower's personal income, enabling more flexible lending criteria. By leveraging the DSCR loan service, investors can secure financing based on the strength of the property's earnings, facilitating the acquisition or refinancing of income-producing real estate.

Self Prepared P&L

No Doc No Credit

The No Doc No Credit loan service offers a unique lending solution for individuals and investors seeking financing without the traditional documentation or credit history requirements. This service is ideal for borrowers who may have non-traditional income sources or who prefer not to disclose their financial details. By eliminating the need for extensive paperwork and credit checks, the No Doc No Credit loan simplifies the application process, making it faster and more accessible. It provides an alternative pathway to financing for those who might otherwise be unable to secure loans, enabling them to pursue real estate investments or personal financing needs with greater ease.


The Verification of Employment (VOE) and Written Verification of Employment (WVOE) loan services play a pivotal role in the mortgage lending process, ensuring that borrowers' employment and income details are accurately verified. These services are critical for lenders to assess the financial stability and repayment capability of applicants, contributing to informed lending decisions. By efficiently verifying employment information, the VOE and WVOE processes help streamline the loan application process, reducing wait times and enhancing the overall borrower experience. These verification steps are key to facilitating a smooth and secure mortgage approval process, benefitting both lenders and borrowers alike.

QM Community Loan

The Self Prepared Profit and Loss (P&L) loan service caters specifically to self-employed individuals and entrepreneurs, offering a tailored approach to loan qualification based on self-reported income documents. This service allows borrowers to use their self-prepared P&L statements to demonstrate their business's financial performance, bypassing the need for traditional income verification methods. It's particularly advantageous for those with fluctuating incomes or unique business models, providing a flexible and understanding route to loan approval. By accepting self-prepared P&L statements, this loan service opens up financing opportunities for a broader range of business owners, facilitating access to capital based on the real-world operations of their ventures.

The QM Community Loan service is designed to offer a more inclusive approach to lending, targeting underserved communities and individuals who may not qualify for traditional mortgage products. This service adheres to the standards of Qualified Mortgages (QM), ensuring safe and affordable loan options with clear terms and conditions. By focusing on community needs, the QM Community Loan aims to bridge the gap in homeownership, providing opportunities for those with limited access to conventional financing. It emphasizes responsible lending practices while offering competitive rates and terms, making homeownership more attainable for a broader spectrum of borrowers.

Embark on your homeownership journey with us.

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