Custom Lending
When Your Financial Profile Deserves a More Thoughtful Approach
Standard mortgage programs are designed for the average borrower. If your financial life does not fit neatly into that box, a standard approach is not going to serve you well.
At Guzzo & Co, Custom Lending is built for borrowers whose financial strength is real but not always easy to document through conventional channels. We work with programs that look beyond pay stubs and tax returns to understand the complete picture of what you bring to the table.
Programs We Offer
Our Custom Lending solutions include:
- Bank statement qualification programs
- Asset-depletion income calculation
- Debt service coverage ratio (DSCR) loans
- Interest-only loan structures
- Non-qualified mortgage (Non-QM) programs
- Portfolio lending solutions
Each program is designed for a specific type of borrower or financial situation. We take the time to explain how each one works and which is the right fit for you.
How the Process Works
Custom lending starts with a deeper conversation than a conventional mortgage requires. We review your income sources, how your assets are structured, what you are trying to accomplish with the property, and what your existing financial obligations look like.
From there we identify the programs that match your profile and walk you through your options clearly — before any application is submitted.
You will always know:
- Which qualification approach applies to your situation
- How the rate and terms compare to conventional alternatives
- What documentation you will need to provide
- What to expect from the loan terms, including any prepayment considerations
Who This Is For
Custom Lending is ideal for:
- Self-employed borrowers with variable income
- Real estate investors managing property portfolios
- High-net-worth individuals with complex holdings
- Borrowers purchasing unique or high-value properties
- Foreign nationals or layered entity ownership
Our approach evaluates the broader financial picture, enabling loan structures that reflect true financial capacity rather than rigid qualification formulas.
Our Commitment to Responsible Lending
Flexibility in how we qualify you does not mean we lower our standards. Before recommending any custom lending program, we evaluate whether the loan is a sound long-term decision for you — not just whether it can be approved.
We look at your repayment capacity, rate exposure, and overall financial position to make sure the financing we structure works for you today and holds up over time.
