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.
Top Lenders
Investor & Business Owners
Nationwide Reach
Every Step of the Way
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We help borrowers with unique financial situations find the right loan solution.
We Offer bank statement and alternative income solutions
We consider the full picture not just time on the job
We look beyond the score to find the right path forward.
Programs available to fit your current situation.
Financing solutions for rental and investment properties.
We love finding solutions where others can't
Thousands of loans closed.
We shop 100+ lenders to get you the best deal.
Quick approvals and clear communication.
Every loan is tailored to your needs.
Local expertise. National lending resources.
Non‑traditional solutions available nationwide.
Flexible mortgage solutions for borrowers who don’t meet traditional lending guidelines.
Use your assets to qualify for a mortgage instead of employment income.
Investment property loans based on rental income, not personal income.
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.
of Families Helped
Client Rating on Google
Traditional mortgage options in CA & TX. Non‑traditional solutions available nationwide.
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Mortgage Broker - Oso Creek Mortgage