Smart Financing for Serious Investors
Unlock Your Real Estate Potential Today
“Working with Iva Burmeister was a game-changer. Her deep knowledge of lending and sharp strategic thinking helped me close deals I didn’t think were possible. She doesn’t just process loans — she builds real solutions.”
— Michelle T.
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Why Choose PICO Mortgage
At PICO Mortgage, we make home financing simple, fast, and personalized. Whether you're buying your first home or refinancing, our expert brokers match you with the best loan options to fit your needs. We specialize in self-employed and non-traditional borrowers, offering flexible solutions others can’t. With competitive rates, quick approvals, and transparent service, your mortgage experience is smooth from start to finish. Choose PICO — where smart lending meets real results.
FHA Loans
Low down payment options with flexible credit requirements — ideal for first-time buyers.
Airbnb Rental Loans
Finance short-term rental properties based on projected income, not your job.
Cash-Out Refinance
Turn your home equity into cash for renovations, debt consolidation, or investments.
Frequently Asked Questions
We offer a wide range of loan programs including FHA, VA, Conventional, Jumbo, and Reverse Mortgages. We also specialize in more flexible solutions like Bank Statement Loans, DSCR, Profit & Loss Loans, and Airbnb Rental Loans for self-employed or investment-focused borrowers.
Yes! At PICO Mortgage, we offer Bank Statement and Profit & Loss Loans specifically designed for self-employed individuals or business owners who may not qualify through traditional income verification. We make it easier to secure financing based on your real financial picture.
A DSCR (Debt Service Coverage Ratio) loan is ideal for real estate investors and rental property buyers. It’s based on the property’s income potential rather than your personal income, making it a great option for growing your investment portfolio — even with multiple properties.
Absolutely! We work with first-time homebuyers to simplify the mortgage process and help them access Down Payment Assistance (DPA) programs and Community Seconds to reduce out-of-pocket costs. Our team will guide you every step of the way.
Yes, we offer both cash-out refinance and Home Equity Lines of Credit (HELOCs) to help you tap into your home’s equity. These options can be used for home improvements, debt consolidation, or investing in additional properties — even short-term rentals like Airbnb.
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Everything You Need to Know
About PICO Mortgage
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LICENSED IN:
California and Texas
Iva Burmeister | NMLS # 283171
PICO Mortgage Brokers | NMLS # 1585758
