Jason Rod
Sr. Loan Officer
Full doc, bank statement, 1099, DSCR, asset utilization, ITIN, and 2nd mortgage programs matched to how you actually earn and invest. Direct lending, straight answers, no cookie-cutter approvals.
Let's find out what you qualify for now.
Tell me what you're trying to do: purchase, refinance, cash out, or add an investment property.
I compare your file against MBANC's full Non-QM and traditional program lineup to find the fit with the strongest terms.
As a direct lender, MBANC underwrites and funds in-house, so you always know where your file stands.
"Found a house we loved. Required an 18 day close. Jason at MBanc got it done in 13. Always on top of everything, keeping me in the loop and ensuring we checked all the boxes. My realtor side-lined to me that Jason was one of the best lenders he's ever worked with. Professional, but also super enjoyable and fun to engage with. I will definitely work with Jason again for future lending needs. Best experience I've had buying a home."
Send a few details and I will reach out to confirm the best next step, or call/text directly if that's easier.
Most borrowers get turned away because their income doesn't fit a standard box. My job is to find the program that already fits.
Every borrower's income looks different. I match your file to the program built for it instead of forcing you into a box that was never designed for you.
MBANC underwrites and funds in-house, so decisions move faster and stay with one team from application through closing.
On income-based programs like bank statement loans, you will see both your gross and net qualifying numbers up front, every time.
Not sure which one fits? Send a message below and I'll walk through the options with you.
An interest-only period on larger jumbo loan amounts, keeping initial payments lower while principal is deferred.
See if this fits →Qualify using 12 or 24 months of personal or business bank statements instead of tax returns, built for business owners.
See if this fits →Designed for contractors and gig-based earners who receive 1099s instead of a W-2.
See if this fits →Qualify on the property's rental income, not your personal income. No pay stubs, tax returns, or bank statements required.
See if this fits →Turn liquid assets, investments, and retirement accounts into qualifying income for borrowers who are asset-rich.
See if this fits →Access equity as a second lien without touching your existing first mortgage or its rate. A lump-sum second loan behind your current one.
See if this fits →Financing for non-U.S. citizens, including borrowers with no U.S. credit history, on investment or second-home purchases.
See if this fits →Traditional pay stub, W-2, and tax return qualifying for borrowers who want a standard path with flexible loan amounts.
See if this fits →A path to homeownership for borrowers without a Social Security number, using an ITIN and standard or bank statement income.
See if this fits →A revolving home equity line of credit for borrowers who want flexible, as-needed access to equity instead of a lump sum.
See if this fits →MBANC (Mortgage Bank of California Inc. dba Mbanc, NMLS #38232) is lending in 46 states. In 22 of them, Jason can offer the full lineup, primary residence, second home, and investment property. In 24 more, lending is limited to investment property (DSCR) financing only.
Not currently licensed: Minnesota, Missouri, North Dakota, South Dakota. Licensing changes from time to time — confirm current status for your state before proceeding.
Verified 5-star Google reviews naming Jason Rod directly.
"Jason understood my query and spoke of his experience, products and gave me the confidence that he could truly help my clients. He was very professional, communicative and responded timely throughout the process. We successfully closed on the sale and were 12 days early!"
"He is a pleasure to work with and very knowledgeable with what he does. Not only does he service but educates you along the way and always brings the aloha spirit with every interaction. I definitely recommend working with Jason Rod."
"Jason excelled in communication from the very beginning. He flawlessly communicated every step of the mortgage process, ensuring that both the buyer and I were always in the loop. I highly recommend Jason and his team at MBANC."
"Jason Rod was unbelievably helpful on getting my deal closed. Being self employed makes securing mortgages difficult at times, but with Jason and MBANC, it was quite the opposite. I will be working with him on all my deals in the future!"
"MBANC, and specifically Jason Rod, were a pleasure to work with. Responsive, professional and understanding. They helped ensure a smooth closing, and gave personalized attention that made all the difference."
"Great experience from start to finish. Jason Rod did an excellent job with communication, follow up and clearing hurdles. Would highly recommend Jason and his team!"
"I help self-employed borrowers, investors, and high earners finance the life they actually built, not the one their tax return shows." Non-QM strategy and real market insight, no fluff.
Read the Latest Post →A bank statement loan lets self-employed borrowers qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Both gross and net qualifying income are shown before you move forward.
Yes. Full doc, bank statement, 1099, and asset utilization programs are all built for borrowers whose income doesn't show up on a standard W-2.
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property based on its rental income instead of personal income. No pay stubs, tax returns, or bank statements are required.
No. The ITIN program allows borrowers without a Social Security number to qualify for a primary or second home using an Individual Taxpayer Identification Number.
Yes. A closed-end second mortgage or HELOC lets you access equity as a second lien, leaving your existing first mortgage and its rate untouched.
MBANC is a Non-QM direct lender, meaning underwriting and funding happen in-house on one team from application through closing, instead of being passed between outside parties.
MBANC is lending in 46 states. 22 of those states allow the full lineup (primary, second home, and investment property); 24 are limited to investment property (DSCR) financing only. See the "Where We Lend" section above for the full breakdown, or verify current licensing directly at NMLS Consumer Access.
Share your income type, goal, and timeline through the contact form or a quick call, and Jason will match your file against MBANC's full program lineup to identify the strongest fit.