Mortgage Solutions When When Banks Say No.

Residential mortgages in California and Texas.

We help self-employed professionals, property investors, and everyday borrowers get approved. If traditional bank programs don’t work for you, our flexible options will.

Access to 100+

Top Lenders

Solutions for Self-Employed

Investor & Business Owners

Local Experties.

Nationwide Reach

5- Star Service

Every Step of the Way

D

Dagmara Bujak

July 10, 2026
★★★★★

Polecamy Trustindex! Sprawna integracja, ładne widżety i bardzo intuicyjna obsługa. Narzędzie idealne...

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O

Oliwia Komor

July 10, 2026
★★★★★

Korzystamy z Trustindex i jesteśmy bardzo zadowoleni. Integracja przebiegła sprawnie...

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Asia Habrych

July 10, 2026
★★★★★

Świetne narzędzie do zarządzania opiniami. Wszystko działa bez problemów...

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Whether you're buying a home in California or Texas, or investing or growing your portfolio anywhere in the U.S., we'll help you get there.
Mark Stillman
Mortgage Broker - Oso Creek Mortgage

Turned Down by a Bank? You May Still Have Options.

We help borrowers with unique financial situations find the right loan solution.

Self-Employed

We Offer bank statement and alternative income solutions

Recent Job Changes

We consider the full picture not just time on the job

Credit Challenges

We look beyond the score to find the right path forward.

High Debt-to-Income

Programs available to fit your current situation.

Investment Properties

Financing solutions for rental and investment properties.

Complex Situations

We love finding solutions where others can't

Why choose oso creek mortage?

20+ Years Experience

Thousands of loans closed.

Access To Top Lenders

We shop 100+ lenders to get you the best deal.

Fast & Responsive

Quick approvals and clear communication.

Personalized Solutions

Every loan is tailored to your needs.

Licensed In CA & TX

Local expertise. National lending resources.

Featured Loan Programs

Non‑traditional solutions available nationwide.

Non-QM Loans

Flexible mortgage solutions for borrowers who don’t meet traditional lending guidelines.

Bank Statement Loans

Qualify using bank statements instead of tax returns.

Asset Depletion Loans

Use your assets to qualify for a mortgage instead of employment income.

DSCR Investor Loans

Investment property loans based on rental income, not personal income.

About Mark Stillman

Mark Stillman is the founder of Oso Creek Mortgage and a trusted mortgage broker with over 20 years of experience.

His mission is simple: to provide honest guidance, exceptional service, and mortgage solutions that help clients build a better future.

20+

Years in Mortgage

Hundreds

of Families Helped

5-Star

Client Rating on Google

Loan Programs for Every Need

Traditional mortgage options in CA & TX. Non‑traditional solutions available nationwide.

ITIN Loans

Homeownership solutions for borrowers without a Social Security Number.

FHA Loans

Flexible credit and low down payment options.

VA Loans

Exclusive benefits for eligible veterans and service members.

Jumbo Loans

Financing for luxury and high-value properties.

HELOCs & HELOANs

Tap into your home’s equity for major expenses and opportunities.

DSCR Loans

Qualify on the property’s cash flow, not your W‑2.

Reverse Mortgages

Access your home’s equity in retirement.

Commercial Loans

Financing for investment and business properties.

Investor Tools

Free Tool

DSCR Calculator

Calculate cash flow and see how much you can qualify for.

Free Tool

Rental Cash Flow Calculator

See your potential cash flow before you buy.

Free Tool

Fix & Flip Calculator

Analyze repair costs, ARV and potential returns.

Solutions for borrowers in CA & TX and investors across the country.

Whether you're buying a home in California or Texas, or investing or growing your portfolio anywhere in the U.S., we'll help you get there.

Mark Stillman

Mortgage Broker - Oso Creek Mortgage

Let’s Find the Right Loan for You