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Justin Walsh
Non-QM & Creative Financing · Franklin Direct · NMLS #968831
The lender for the deals other banks pass on — self-employed buyers, investors, non-contingent offers, and tough approvals.
Recent Closings
Deals we got done.
Real files, real problems solved — and how we made each one work.
Funded
West Hollywood, CA
$5.7M
Non-Contingent Offer
Qualified on assets, not income — and went in fully non-contingent.
Funded
La Jolla, CA
$4.65M
Beat A Cash Offer
A self-employed buyer beat a cash offer with a 12-day close.
Funded
Houston, TX
$4.5MFinanced $2.38M
Self-Employed · Jumbo
A $4.5M self-employed purchase — bank statements, closed in 12 days.
Funded
San Marcos, CA
$3.4M
More Buying Power
Used business bank-statement financing to boost their buying power.
Funded
Encinitas, CA
$3.3M
Portfolio Growth
Pulled equity from other properties to grow their portfolio — on bank statements.
Funded
San Diego, CA
$2.55M
Fast Close
Bank-statement financing, closed in just 17 days.
Funded
Carlsbad, CA
$2.33M
Stronger Offer
Turned a contingent buyer into a non-contingent one.
Funded
Santa Ana, CA
$2.04MFinanced $1.78M
Non-Contingent Offer
Tapped a HELOC on their current home to make the offer non-contingent.
Funded
Rancho Mission Viejo, CA
$1.975MFinanced $1.48M
Non-Contingent Purchase
Every other bank wanted a contingency. We closed it non-contingent in 12 days.
Funded
Fallbrook, CA
$1.95MFinanced $1.56M
Creative Structuring
Combined a HELOC and asset depletion to make a fully non-contingent offer.
Funded
San Diego, CA
$1.95MFinanced $1.59M
Won The Bidding War
Beat a same-price offer with a 12-day close — theirs needed 17.
Funded
Cardiff, CA
$1.5MFinanced $736K
Beat 3 Offers
Their offer was accepted on the strength of a 12-day close.
Funded
Los Angeles, CA
$1.15MFinanced $978K
Flexible Income
Self-employed — a flexible income calculation got them qualified.
Funded
Escondido, CA
$900KFinanced $720K
Won The Bidding War
Beat competing offers with the certainty of a 10-day close.
Funded
San Diego, CA
$895KFinanced $700K
Self-Employed · P&L
Foreign bank statements we worked around — qualified on a P&L instead.
Funded
Los Angeles, CA
$810KFinanced $510K
Fast Close
A clean file, closed in just 12 days.
Funded
Oceanside, CA
$720KFinanced $415K
Non-Warrantable Condo
A non-warrantable condo most lenders avoid. We funded it.
Funded
Oceanside, CA
$675KFinanced $273K
Non-Warrantable Condo
Another non-warrantable condo — approved and closed.
Referral Partners
What agents say.
The teams who send me their toughest files.
★★★★★
Where others may say ‘no,’ Justin and his team find creative ways to make things happen. He’s not just a great lender — he’s a true partner.
Amy GreenRealtor · 24 Years
★★★★★
Bringing Justin’s team in at the start makes for a more educated, prepared, and confident buyer. Their service complements ours perfectly — and we love working with Justin as a person.
Kelli MillerRealtor
Questions? Let’s talk.
Call or text 949-298-7060
Buying, refinancing, or working through a tricky approval — I’m always happy to talk it through, whether you’re ready now or just exploring.