Sheilla Lavadia - Nmls#1399453

Sheilla Lavadia - Nmls#1399453 Loan Factory | NMLS #320841
https://tinyurl.com/LoanFactoryEntityDetails
Sheilla Lavadia | NMLS #1399453
https://linktr.ee/loansbysheilla

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer, I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax, or email for personalized service and expert advice. I look forward to working with you.

Before you start house hunting, there are a few things I really want you to know:✅ Your tax write-offs do not automatic...
09/06/2026

Before you start house hunting, there are a few things I really want you to know:

✅ Your tax write-offs do not automatically disqualify you from getting a mortgage.
✅ Pre-qualified and pre-approved are not the same thing.
✅ You may not always need two years of perfectly consistent tax-return income, especially if your situation is more complex.
✅ You do not need 20% down in every case.
✅ And being self-employed does not mean you are unqualified. It just means your income may need to be evaluated differently.
✅ Most importantly, you do not have to wait until you are ready to buy to start asking questions.

I’m Sheilla Lavadia, a Mortgage Broker with 22+ years of experience, over 3,100 families helped, and $500+ million in loans funded. I help homebuyers, self-employed borrowers, business owners, and 1099 earners understand their options before they make a move.

Comment “READY” and tell me what is actually on your mind. I’ll help you understand what may be possible.

Follow Sheilla Lavadia | Real Estate Investor Loan Expert for more mortgage tips, self-employed homebuying guidance, and real estate strategy made simple.

Loan programs, income documentation requirements, down payment options, and approval guidelines vary by lender and borrower scenario. Pre-approval is subject to verification of income, assets, credit, property eligibility, and underwriting. This content is for general educational purposes only and is not a commitment to lend.

Sheilla Lavadia | Loan Officer | NMLS #1399453 | LO-1036779
Loan Factory | NMLS #320841 | BK-2005457 | Equal Housing Lender

09/05/2026

Comment “PROGRAM” and I’ll walk you through which options may be worth exploring.
Or use the link in my bio if you’re planning to buy within the next 12 months.

You built a successful business.

But when it was time to qualify for a mortgage, your tax returns, business structure, and income documentation told a very different story.

That is where a lot of business owners get frustrated.

Revenue does not automatically equal qualifying income.

Tax write-offs can reduce the income a traditional lender is able to use.

And even a strong bank balance may not solve the problem by itself.

That is why the right loan program matters.

Depending on your situation, options may include:

• P&L Only loans that may use an eligible profit and loss statement instead of traditional tax return documentation
• Asset Depletion programs that may convert eligible savings, investments, or retirement assets into qualifying income

For business owners, the question is not always, “What do your tax returns say?”
Sometimes the better question is, “Which loan program actually fits the way your income is structured?”

I’m Sheilla Lavadia, a Mortgage Broker with 22+ years of experience, helping business owners, self-employed buyers, and 1099 earners understand their mortgage options.

Follow Sheilla Lavadia | Real Estate Investor Loan Expert for more self-employed mortgage tips, homebuying guidance, and real estate strategy made simple.



Sheilla Lavadia | Loan Officer | NMLS 1399453 | LO-1036779
Loan Factory | NMLS 320841 | BK-2005457 | Equal Housing Lender

Program availability, qualifying income calculations, documentation requirements, and asset eligibility vary by lender and loan program. Loan approval is subject to underwriting and applicable guidelines.

Promise you won’t snitch, but that self-employed friend with six figures in savings who still thinks she can’t buy a hou...
09/04/2026

Promise you won’t snitch, but that self-employed friend with six figures in savings who still thinks she can’t buy a house?

Her tax return might be making her financial picture look a lot smaller than it actually is.

She has the savings.
She has the investments.
She has real assets.

But because she’s self-employed, the income a traditional lender can use from her tax returns may be much lower than expected.

That doesn’t necessarily mean she can’t qualify.

There’s another option worth exploring called Asset Depletion.

Instead of relying solely on traditional income, certain loan programs may allow eligible assets to be converted into monthly qualifying income.

Depending on the program, that could include:

• Savings
• Investment accounts
• Certain retirement assets
• Other eligible liquid assets

The lender applies the program’s calculation to those eligible assets and determines how much monthly qualifying income may be used.

So while your tax return tells one part of the story, your assets may tell another.

I’m Sheilla Lavadia, a Mortgage Broker with 22+ years of experience, over 3,100 families helped, and $500+ million in loans funded.

I specialize in helping self-employed buyers, business owners, and borrowers with nontraditional income understand the mortgage options that may fit their financial picture.

If you’ve got savings or investments and want to know if this could work for you, comment “ASSETS.”

Follow Sheilla Lavadia | Real Estate Investor Loan Expert for more self-employed mortgage tips, homebuying guidance, and real estate strategy made simple.



Sheilla Lavadia | Loan Officer | NMLS 1399453 | LO-1036779
Loan Factory | NMLS 320841 | BK-2005457 | Equal Housing Lender

Asset depletion calculations, eligible assets, documentation requirements, and qualification guidelines vary by lender and loan program. Loan approval is subject to underwriting and applicable program requirements.

09/01/2026

Buying your fourth rental should feel like progress.

But for a lot of investors, this is exactly where personal DTI starts getting in the way.

You may already own several rental properties.

They may be generating rental income.

But when you try to finance the next one with a traditional loan, all those existing obligations can make qualification more complicated.

That does not necessarily mean you have reached your limit as an investor.

You may simply need a different financing strategy.

That’s where a DSCR loan can come in.

Instead of qualifying primarily based on your personal income and traditional DTI, a DSCR loan focuses on whether the investment property’s qualifying rental income supports its required housing expenses.

In simple terms:

Traditional loan: What does the borrower’s overall financial picture support?

DSCR loan: Does the investment property generate enough qualifying rent relative to its expenses?

For investors building a portfolio, that distinction can make a significant difference.

And depending on the program, you may not need traditional personal income documentation such as:

• paystubs
• W-2s
• personal tax returns

Your credit, down payment, reserves, property cash flow, appraisal, and other lender requirements still matter.

That is why I like to build out a funding map for my investor clients before we submit anything.

We look at:

• which properties may work with DSCR financing
• estimated cash needed to close
• rental income and DSCR requirements
• documentation needed for the file
• how to structure the next purchase without relying solely on traditional financing

I’m Sheilla Lavadia, a Mortgage Broker with 22+ years of experience, over 3,100 families helped, and $500+ million in loans funded.

I specialize in helping real estate investors and self-employed buyers find financing strategies that fit the way they actually build wealth.

Comment “DSCR” and I’ll walk you through how a DSCR loan may work for your next rental property.

Sheilla Lavadia | Loan Officer | NMLS #1399453 | LO-1036779
Loan Factory | NMLS #320841 | BK-2005457 | Equal Housing Lender

If you’re even thinking about buying a home, you don’t have to wait until you’re ready to apply to start asking question...
09/01/2026

If you’re even thinking about buying a home, you don’t have to wait until you’re ready to apply to start asking questions.

In fact, I’d rather you ask them early.
Because getting a mortgage should not feel like someone is throwing numbers and paperwork at you and saying, “Sign here.”

I want you to understand why we’re choosing a certain loan, what your options are, and what those numbers actually mean for you.

And if you’re self-employed, a business owner, or a 1099 earner?
That’s one of my specialties.

If another lender has already told you no, I’ll help you understand why and whether there may be another option worth exploring.

After 22+ years in the mortgage industry, I’ve worked through a lot of different scenarios.

Some straightforward.
Some complicated.
Some that just needed someone willing to look a little deeper.

But one thing will always stay the same:
I’ll tell you the truth about your numbers.
Even when it’s not the answer you were hoping for.

No promises I can’t back up.
No pretending every borrower fits the same box.

Just an honest look at where you are, what may be possible, and what your next step should be.

By the time we’re done, I don’t just want you to have a mortgage.
I want you to understand the mortgage you’re getting.

I’m Sheilla Lavadia, a Mortgage Broker with 22+ years of experience, over 3,100 families helped, and $520M+ closed.

Follow Sheilla Lavadia | Real Estate Investor Loan Expert if you want mortgage advice that’s clear, realistic, and actually helps you make better decisions.

Sheilla Lavadia | Loan Officer | NMLS #1399453 | LO-1036779
Loan Factory | NMLS #320841 | BK-2005457 | Equal Housing Lender

Loan officers usually post the closings, the happy clients, and the “Clear to Close!” moments.But you don’t always see w...
08/28/2026

Loan officers usually post the closings, the happy clients, and the “Clear to Close!” moments.

But you don’t always see what happens between application and closing.

Like saying, “Happy to help!” before I’ve even figured out exactly how I’m going to help.

Or telling someone, “This will just take a minute.” It did not take a minute.

I’ve also:

• Said “I’m almost done for the day” at 4 PM, then worked another three hours.
• Looked for my phone while I was literally talking on it.
• Opened three different tabs looking for a document I KNOW I saved somewhere.
• Opened my laptop to send one quick email and somehow lost 45 minutes.
• Promised to call someone back in five minutes, then got completely pulled into an underwriting condition for two hours.
• Given a five-minute explanation to something that probably needed one sentence.
• Said, “I’ll have an update for you by the end of the day,” then suddenly remembered at 4:58 PM.

After 22+ years in the mortgage industry, you’d think I’d have this part figured out.

Apparently not!

Behind every smooth closing is a lot of problem-solving, follow-ups, underwriting conditions, emails, phone calls, and occasionally wondering where the phone is while it’s in your hand.

The closings are the part we celebrate. But this? This is the part that actually gets us there.

If you’re a loan officer, please tell me I’m not the only one.

And if you’re a client, now you know what’s happening behind the scenes when I tell you, “I’m working on it.”

Follow Sheilla Lavadia | Real Estate Investor Loan Expert for mortgage tips, homebuying guidance, and a little bit of what life actually looks like behind the loan.

Sheilla Lavadia | Loan Officer | NMLS #1399453 | LO-1036779
Loan Factory | NMLS #320841 | BK-2005457 | Equal Housing Lender

08/26/2026

Your business is making money.

Your credit is good.

You have the down payment.

But your tax returns are still shrinking your mortgage approval.

For self-employed buyers, this happens more often than you might think.

Business write-offs can help lower your taxable income, but that same lower income may make qualifying with a traditional mortgage more difficult.

That’s where a Bank Statement loan may help.

Instead of relying on tax returns to calculate qualifying income, certain programs may evaluate 12 or 24 months of eligible bank deposits and your business cash flow.

Three things I look for:

✔️ Consistent deposits
✔️ Clear business and personal activity
✔️ No large unexplained deposits

Your tax return may not tell your entire financial story.

Comment “CHECKLIST” and I’ll send you my Self-Employed Mortgage Ready Checklist.

Follow Sheilla Lavadia | Real Estate Investor Loan Expert for more self-employed mortgage tips.

Address

14205 SE 36th Street, STE 112
Bellevue, WA
98006

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm

Telephone

+14252185534

Website

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