With multiple income calculation methods, BluEleven helps self-employed borrowers maximize their business earnings to qualify for our industry-leading bank statement program. Own multiple businesses? No problem. We can even include a spouse’s W2 income if needed—no tax returns required!
Optima
Qualify with 12- or 24-month bank statements
Qualify with P&L only. Include assets if needed.
Loans from $300K to $6M
Up to 90% LTV
Min. FICO score: 660
I/O payment option available
Primary residences, second homes, or 1‐4 unit investment properties
Optima Plus
Qualify with 12- or 24-month bank statements
Qualify with P&L only. Include assets if needed.
Loans from $300K to $3M
Up to 85% LTV
Min. FICO score: 660
I/O payment option available
Primary residences, second homes, or 1‐4 unit investment properties
If you can dream it you can own it
Second Home or Investment Property
Imagine waking up to breathtaking ocean views or the serene beauty of the mountains—your dream vacation home, finally yours. With BluEleven’s amazing Bank Statement programs, we make it easier than ever for self-employed borrowers to qualify without the hassle of tax returns. Whether it’s a cozy cabin, a beachfront retreat, or a luxury getaway, we’re here to turn your vision into reality. Let us help you secure the perfect escape for you and your loved ones. Own your next vacation home with ease—qualify with BluEleven today!
Mike performed a miracle, really he came through on a loan for a buyer for my house when others failed. My house was for sale for almost a year with no offers and finally when I received an offer Mike made it happen all within ten days, when the other lender kept delaying it. Selling a home is so stressful, Mike kept me informed every step of the process, he said the loan would go through and it did! I am so grateful to him for making it happen, now I can have my new home and new beginning. Mahalo Mike and God bless 😇
I recently obtained a mortgage with BluEleven and I needed a lender that could work with unique situations for the self-employed . Mike and his team completed my mortgage in record time and offered a very competitive product. I highly recommend Mike and his team as not only did they deliver quickly, they were excellent in their communication, knowledge and friendly. 5 star service.
Isahi and the team with BluEleven were excellent to work with. Great rates. Patient and answered all my questions. My real estate agent also praised them. We were able to close on a tight deadline. I would not hesitate to suggest BluEleven to others.
Isahi and the whole team at BluEleven Mortgage are amazing! We have used them twice now, once for a purchase and again for a refi. I let Isahi know what I would like to do and she quickly lets me know what my best options are. She is knowledgeable, a great communicator and works quickly to get things done (all of my favorite qualities). I will absolutely use them again in the future.
Mike & Isahi did a great job getting my loan done very quickly without any issues. Great job with organization and execution! I would recommend them highly!
My partner and I just bought a place in LA and had the best experience with BlueEleven. Day or night, Isahi was always available and very attentive during the whole process. Overall had a smooth experience and would highly recommend working with her!
Mahalo Mike & Team, we are all so grateful for your diligence in finalizing the loan. There were some big hoops to jump through and you did it! The clients are so happy to finally be in their new home here on Kauai; Congrats to you & your team 😊. Lisa
Mike, Isahi and the whole team were amazing. They supported me and answered all of my questions along the way. They made my whole home purchasing experience a breeze. Highly recommend!
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Who Should Become a Loan Officer and Why?
Insurance Agents
Insurance agents already have a strong client base seeking financial security. By becoming a loan officer, they can offer mortgage solutions alongside insurance products, creating more value for clients and increasing their earnings through commission-based loan closings. Their expertise in risk assessment and financial planning makes them well-suited for this role.
Realtors
Realtors thrive on home sales and adding mortgage origination to their services can provide a seamless experience for clients. By becoming a loan officer, they gain control over the financing process, reduce deal fallout, and unlock an additional revenue stream. This dual role strengthens client relationships and enhances their ability to close transactions faster.
Wealth Management Advisors
Wealth advisors guide clients on financial growth and stability, making mortgage lending a natural extension of their expertise. By offering tailored financing solutions, they help clients leverage assets, optimize debt, and structure real estate investments wisely. This not only strengthens client trust but also diversifies their service offerings, increasing long-term revenue potential.
