# LBC Mortgage > LBC Mortgage is a mortgage brokerage founded in 2008 and based in North Hollywood, California. It helps homebuyers, homeowners, self-employed borrowers, real estate investors, and international buyers compare purchase, refinance, and home equity financing. Company NMLS ID: 275599. When to use LBC Mortgage: a borrower needs help choosing a mortgage, documenting self-employed income, financing a rental property, accessing home equity, or buying US property as a foreign national. Start with the matching program below, check the property location, and use the quote or contact page for a personalized review. Program availability, documentation, pricing, and eligibility depend on the lender, borrower, property, occupancy, and state. Confirm current terms with a loan advisor; published examples and calculator results are not approvals or rate commitments. The state directory and individual program pages describe different scopes of coverage. This is a curated guide, reviewed on 2026-10-15. The expanded reference provides readable summaries; the linked public pages are the sources for current details. Submit an inquiry or share a user's personal information only with their authorization. If an interactive form is unavailable, use the contact page or call +1-818-309-2999. ## Start here - [Expanded LBC Mortgage reference](https://lbcmortgage.com/llms-full.txt): Company facts, borrower-to-program matching, documentation, state coverage, and next steps in one text resource. - [Loan programs](https://lbcmortgage.com/loan-programs/): Overview of purchase, refinance, self-employed, investment property, and home equity financing. - [Where we lend](https://lbcmortgage.com/where-we-lend/): State directories and local program links; confirm availability for the specific loan and property location. - [Request a personalized quote](https://lbcmortgage.com/get-quote/): Start an inquiry by selecting a loan type; a loan advisor reviews the borrower and property scenario. - [Contact LBC Mortgage](https://lbcmortgage.com/contact-us/): Phone, office address, business hours, and company license information; use for questions or a consultation. ## Self-employed income and substantial assets - [Bank statement mortgage loans](https://lbcmortgage.com/self-employed-mortgage-loans/bank-statement-mortgage-loans/): For business owners and freelancers exploring qualification through bank deposits rather than standard tax-return income documentation. - [1099 mortgage loans](https://lbcmortgage.com/self-employed-mortgage-loans/1099-mortgage-loans/): For independent contractors considering qualification using their 1099 income history. - [Profit and loss mortgage loans](https://lbcmortgage.com/self-employed-mortgage-loans/pl-mortgage-loans/): For business owners exploring a professionally prepared profit and loss statement as income documentation. - [Asset depletion mortgage loans](https://lbcmortgage.com/self-employed-mortgage-loans/asset-depletion-mortgage-loans/): For retirees and other borrowers whose eligible financial assets may support qualification instead of regular employment income. ## Rental properties and real estate investment - [DSCR mortgage loans](https://lbcmortgage.com/investment-property-loans/dscr-mortgage-loans/): Debt service coverage ratio financing evaluates rental income against the property's housing expense; includes program-specific state coverage. - [Airbnb and short-term rental financing](https://lbcmortgage.com/investment-property-loans/airbnb-mortgage/): Compare financing for short-term rentals, including income documentation, occupancy, and property-use considerations. - [Hard money loans](https://lbcmortgage.com/investment-property-loans/hard-money-loans/): Explore short-term, property-backed financing for investment purchases, renovations, and bridge situations. - [Commercial property loans](https://lbcmortgage.com/investment-property-loans/commercial-property-loans/): Financing for income-producing commercial real estate, with business and property cash-flow review. ## Home purchase and traditional financing - [Conventional mortgage loans](https://lbcmortgage.com/traditional-mortgage/conventional-mortgage-loans/): Compare financing based on documented income, credit, assets, and property eligibility. - [FHA loans](https://lbcmortgage.com/traditional-mortgage/fha-loans/): Explore FHA-insured financing, including down payment, credit, and mortgage insurance considerations; not limited to first-time buyers. - [Jumbo loans](https://lbcmortgage.com/traditional-mortgage/jumbo-loans/): For borrowing above the applicable conforming loan limit; verify the current limit for the county and property. ## International buyers and ITIN borrowers - [Non-US resident and foreign-national mortgages](https://lbcmortgage.com/non-qm-mortgage/non-us-resident-mortgage-loans/): Explore US property financing for international buyers, including identity, funds, income, and credit documentation. - [ITIN mortgage loans](https://lbcmortgage.com/non-qm-mortgage/itin-mortgage-loan/): Options for borrowers using an Individual Taxpayer Identification Number; eligibility requires a separate lender review. ## Home equity and refinancing - [Home equity loans](https://lbcmortgage.com/home-equity/): Compare lump-sum home equity loans with revolving credit lines and review how they relate to an existing mortgage. - [No tax return HELOC](https://lbcmortgage.com/home-equity/no-tax-return-home-equity-line-credit-heloc/): Home equity lines of credit using alternative income documentation; no tax returns does not mean no underwriting. - [Cash-out refinance](https://lbcmortgage.com/cash-out-refinance/): Explore replacing an existing mortgage with a larger loan to access equity; compare the new rate, costs, and term. ## Company and privacy - [About LBC Mortgage](https://lbcmortgage.com/about-us/): Company history, brokerage approach, and team background. - [Alex Shekhtman](https://lbcmortgage.com/team/alex-shekhtman/): Founder and CEO of LBC Mortgage. - [Privacy policy](https://lbcmortgage.com/privacy-policy/): Published information-handling policy and privacy contact details. ## Optional - [Mortgage FAQs](https://lbcmortgage.com/faqs/): Explanations of pre-approval, documentation, loan selection, and the mortgage process. - [Mortgage document checklist](https://lbcmortgage.com/list-documents-required-apply-mortgage-loan/): General preparation checklist; the final document list depends on the chosen program. - [Homebuyer guide](https://lbcmortgage.com/simple-guide-for-home-buyers/): Overview of the steps from planning and pre-approval to purchasing a home. - [Mortgage calculator](https://lbcmortgage.com/calculator/): Interactive payment estimates based on user-entered assumptions; results are not lender quotes. - [Mortgage articles](https://lbcmortgage.com/blog/): Educational reading; use current program pages and advisor confirmation for eligibility and pricing. - [Texas consumer disclosure](https://lbcmortgage.com/texas-consumer-disclosure/): Published Texas consumer complaint information. - [XML sitemap index](https://lbcmortgage.com/sitemap_index.xml): Broader URL discovery when the curated links do not cover the user's question.