I'm Jerry Garcia, and I specialize in the loans other lenders don't know how to do. VA purchases for military families building wealth. Bank statement loans for business owners who are tired of being penalized for smart tax planning. DSCR loans for investors ready to scale. If someone told you "no," you just haven't talked to me yet.
Every borrower is different. Cookie-cutter loans leave money on the table. I find the program that actually fits.
I've helped active duty service members buy at their duty station, convert to a rental when they PCS, and do it all over again. That's how you build a real estate portfolio before you even retire. Zero down. Full strategy.
With DSCR, the property's income qualifies you, not your personal income. No tax returns, no W-2s, no employer verification. Just the deal and the numbers. It's the fastest way to scale a portfolio without hitting a paperwork wall.
You're smart about taxes, so your returns don't show what you actually earn. Bank statement programs use 12 to 24 months of deposits to show your real income. You shouldn't have to choose between a home and a tax bill.
Recent credit event? Foreign national? Asset-rich but income-light? Non-QM exists for the situations that don't fit the box. I actually teach a CE course on this topic, so it's kind of my thing.
The gold standard of home financing. Competitive rates, flexible terms, and options for primary, second home, and investment properties. Sometimes the straightforward path really is the right one.
Lower down payments and more flexible credit requirements. FHA is a solid on-ramp to homeownership, and you don't need a perfect financial history to get started.
If you're 62 or older and want to tap into your home's equity without a monthly mortgage payment, a reverse mortgage might be the right move. Jerry specializes in those too.
Visit JerryKnowsReverse.comRun the numbers, find your loan type, or ask a question. All before we ever speak. No login required.
I started my career as the preferred lender for one of the largest homebuilders in Colorado, managing a team of loan officers and learning what it takes to close at volume without cutting corners.
Then I went where most loan officers won't. I served active duty military families buying at their duty stations across the country. I wasn't just closing loans. I was helping service members build real estate portfolios, one PCS at a time.
Today, I bring that same energy to every borrower I work with in Colorado. Whether you're a business owner who's been told your tax returns are "too low," an investor who needs a smarter loan product, or a veteran who deserves someone who actually gets the VA benefit... I'm the person you want in your corner.
If every loan officer you've talked to sounds the same, that's the problem. I'm not every loan officer.
Your VA benefit is one of the most powerful wealth-building tools you have. I'll help you use it at every duty station and turn each PCS into an investment opportunity.
→ VA purchase, IRRRL, portfolio strategyYour CPA saved you thousands on taxes, and now a lender says you "don't make enough." Sound familiar? Bank statement loans show your real income without the tax penalty.
→ Bank statement, P&L, asset-basedWhether it's property two or property twenty, DSCR loans let the deal speak for itself. No income docs. No employer verification. Just the numbers.
→ DSCR, portfolio loans, LLC closingsYou don't need to have it all figured out. I'll walk you through every option, from FHA to conventional to down payment assistance, and make sure you understand the whole picture.
→ FHA, conventional, DPA programsRecent credit event? Foreign national? Complex income? The mortgage world has more options than most people realize. I know them because I teach them.
→ Non-QM, asset depletion, foreign nationalYou need a lender who communicates, gets creative when deals hit bumps, and never lets your reputation take a hit. I'm that partner. Ask about my CE course too.
→ Referral partner, CE course, deal supportI'm a certified instructor for a 2-hour Colorado CE course on Non-QM loan products. Most agents have heard of bank statement loans or DSCR, but very few can explain them to their clients with confidence. This course changes that.
When your agents understand the full lending landscape, they can serve more buyers, rescue more deals, and position you as the brokerage that goes the extra mile.
I don't disappear after the application. You'll hear from me, not a call center.
We talk about your goals, your finances, and what you're actually trying to accomplish. No pressure. No hard sell. Just clarity.
I come back to you with real options and real numbers, so you can make the call that's right for your situation.
Once we're rolling, I keep you and your agent in the loop at every milestone. You'll never have to chase me for an update.
We close on time. And after that, I'm still here for your next purchase, your refi, or just a question down the road.
Whether you're buying your first home, scaling an investment portfolio, or someone told you "no" when they shouldn't have... let's have a real conversation about what's possible.