We Specialize in Loans

for Self-Employed &

Complex Income Borrowers

You work hard to generate income. You deserve a great mortgage experience.

Work with our mortgage team led by former CPA, Bryan Wallpe.

Request a Quote

**Lending in all of NV, CA, TX, AZ, OR, WA, and FL.

Over $1 Billion in total loan volume closed.

We Specialize in Loans
for Self-Employed &
Complex Income Borrowers

You work hard to generate income.

You deserve a great mortgage experience.

Work with our mortgage team led by former CPA, Bryan Wallpe.

Request a Quote

**Lending in all of NV, CA, TX, AZ, OR, WA, and FL. Over $1 Billion in total loan volume closed.

How to Know You Are Considered Self-Employed...

IF YOU OR YOUR SPOUSE MAKE MONEY IN ANY OF THE FOLLOWING WAYS, YOU ARE SELF-EMPLOYED:

  • via Business Ownership (25% or more ownership)
  • via Freelancing or Independent Contracting (Schedule C, 1099, etc.)
  • via Restricted Stock Units (complex income but not self-employed)
  • via a Side Hustle
  • via Gig Economy Work
  • via Rental Income from Real Estate (Schedule E, etc.)
  • via Investments or Royalties (complex income but not self-employed)
  • via a Professional Practice (Doctor, Lawyer, Realtor, Dentist, etc.)

How do you benefit from working with us?

THE MORTGAGE UPSIDE...

  • Unmatched Expertise in Complex Incomes: Unlike typical lenders who struggle with intricate financials, our team—led by Bryan Wallpe, a former CPA with 32 years as a Mortgage Advisor, and Shay Phillips, with 7 years of specialized training & a background in Accounting & Finance—masterfully handles self-employed income via K-1s, C-Corps, S-Corps, Schedule C, Schedule E, Investment Income, Royalties, and more, ensuring you get approved with ease.
  • Proven Success Where Others Fall Short: While regular lenders may shy away from tax returns, we specialize in analyzing them, delivering results others can’t. We have closed over $1 Billion in loans.
  • Experts vs. Generic Lenders: Many lenders lack deep knowledge of tax returns, business, and investment income, but with our unique tax-focused backgrounds, we understand this income.
  • Clear Communication, Not Confusion: Unlike standard lenders who may not grasp your business or income, we speak your language, simplifying complex financial discussions to save you time and headache.
  • Trusted Partners, Not Just a Transaction: While typical lenders focus on quick closes, realtors and clients choose us for our reliability, deep expertise, and commitment to seamless partnerships tailored to self-employed borrowers.

Client Reviews

Meet Bryan

NMLS #290807

Mortgage Advisor with over 30 years of experience in the mortgage industry and a background as a CPA. Bryan is an expert. He brings a wealth of mortgage, tax, and financial knowledge to our customized home financing solutions.

Meet Shay

NMLS #1919855

Mortgage Advisor with a Bachelor's Degree in Finance, and a background in Real Estate, Accounting, and Technology. Shay brings deep financial knowledge and a modern approach to our customized home financing solutions.

Wait, is Bryan actually a former CPA?

Yes! After college Bryan obtained his CPA license. He was an accountant for 3 years, then decided to transition into the mortgage industry where he has now been for over 30 years. His CPA license is no long active but he remains a student of tax accounting. He also trains Shay on the deep tax & mortgage knowledge he has learned throughout his career.

Do We Also Help People Who Aren't Self-Employed & Don't Have Complex Income?

We are self-employed and complex income loan experts but we can certainly help people that don't have complex income. Those loans are easier.

Our company is backed by NEXA Mortgage, the largest mortgage broker in the United States. Whatever loan product you need, we have access to.

We don't do Down Payment Assistance, USDA, 203K, fix-n-flip, or commercial loans. Nothing against them, they are just not our area of expertise.

Our offerings consist of:

  • Bank Statement loans
  • Jumbo & Jumbo VA Loans
  • Conforming Loans (Fixed & Variable Rates)
  • Primary Home, Second Homes, Investment Properties
  • VA, FHA (Down to 500 FICO)
  • HELOC, Piggy Back, 40-Year Terms
  • Interest-Only
  • Investor, DSCR
  • Bridge Loans, Reverse Mortgages
  • Land/Lot Loans

Mortgage Upside began...

with a belief that the world of homebuying and refinancing can feel overwhelming for people who are self-employed and have complex income—rising costs, confusing loan options, and endless paperwork requests from loan officers who don't speak the language. It doesn’t have to be this way. Entrepreneurs and people with complex income deserve a smoother path to owning or improving their home.

We exist to help you navigate these obstacles with kindness, transparency, and a commitment to your best interests. Our mission is to take the stress out of the loan process so you can focus on what really matters—continuing to build your income.

By pairing competitive rates with personalized, high-touch service, and our unique tax expertise, we empower you to move forward confidently. At Mortgage Upside, we believe that you should have a trusted partner who genuinely cares, champions their goals, and helps make the mortgage process easier. We’re here to make buying or refinancing simpler, more accessible, and, yes, maybe even a little enjoyable.

"With a boundless heart, one should cherish all living beings, radiating kindness over the entire world."