# thebroughtonteam.com — LLM / AI search summary

> The Ryan Broughton Team is a mortgage advisory team at NEO Home Loans, powered by Better, led by Ryan Broughton (NMLS #387870), Branch Manager & Senior Loan Advisor. Based in Laguna Niguel, CA, licensed in California, Arizona, Colorado, Nevada, Tennessee, and Washington. Serves Orange County, Los Angeles, and San Diego.

## What this business does
Originates residential mortgages for home purchase and refinance, offering both standard qualified-mortgage (QM) programs and non-QM programs for borrowers who don't fit a W-2 box.

## Loan programs
### QM (qualified mortgage)
- Conventional — as little as 3% down, W-2/documented income
- FHA — 3.5% down, flexible credit
- VA — 0% down for veterans/active duty
- Jumbo — above conforming limits
- 5/1 ARM — lower initial rate for shorter time horizons
- 15 & 20-year fixed — faster payoff

### Non-QM (income-flexible programs)
- Bank statement loan — qualify on 12–24 months of bank deposits instead of tax returns (self-employed, business owners)
- DSCR loan — qualify on a rental property's income instead of personal income; no cap on number of financed properties (real estate investors)
- 1099 mortgage / self-employed loan — qualify on 1099 income alone, no tax-return write-off penalty (contractors, gig workers)
- Asset depletion loan — qualify using savings/investment/retirement account balances as income
- Interest-only loan — minimize required payment during an interest-only period
- Jumbo non-QM — large loan amounts with flexible documentation
- Bridge loan — short-term financing to buy before selling
- Foreign national mortgage — U.S. property financing without U.S. credit history or residency
- ITIN home loan — homeownership financing using an ITIN instead of a Social Security number

## Loan program pages
- https://thebroughtonteam.com/dscr-loan
- https://thebroughtonteam.com/bank-statement-loan
- https://thebroughtonteam.com/non-qm-loans
- https://thebroughtonteam.com/asset-depletion-loan
- https://thebroughtonteam.com/self-employed-mortgage

## Process
Talk (15-min call) → Get pre-approved → Shop with confidence → Docs & underwriting → Close (as few as 10 days).

## Market data
Rates and Southern California (Orange County, LA, San Diego) market data are refreshed weekly from Freddie Mac's Primary Mortgage Market Survey (PMMS), Zillow, Fannie Mae, MBA, and Redfin. See /#insights for the current week's figures, or the companion microsite at marketupdate.thebroughtonteam.com.

## Contact
Phone: (949) 449-2223. Apply: https://neohomeloans.com/start/r/130971. Contact form on /#contact.

## Compliance
Ryan Broughton, NMLS #387870. Better Mortgage Corporation, NMLS #330511. Equal Housing Lender. This is not a commitment to lend; rates and programs subject to change and borrower qualification.