Bank Statement Loans
Use 12 or 24 months of personal or business bank deposits to document income instead of tax returns.
Learn more
Sugar Land & Houston Mortgage Broker
When the bank says no, we find another way.
I’m Shehzad Ali, a Matador Lending branch manager who specializes in non-traditional home loans for self-employed borrowers, investors, immigrant families and first-time buyers. I shop 160+ lenders to find terms that fit your real financial picture, and I’ll walk you through it in English, Urdu, Hindi, Gujarati or Punjabi.
160+ wholesale lenders
5 languages spoken
2025 NMP 40 Under 40
NMLS #2215791
Non-QM specialistBank statement · P&L-only · DSCR · ITIN · Foreign national
Why borrowers call Shehzad
Three advantages a bank can’t match
160+
Lenders, one application
A bank offers one set of guidelines. I compare programs, pricing and overlays across more than 160 wholesale lenders and place your file where it fits best.
Non‑QM
Non-traditional is my lane
Bank statements, P&L-only, DSCR with foreign income, ITIN, asset-based. Every file is a puzzle, and creative structuring is how I solve it.
5
Languages, zero confusion
English, Urdu, Hindi, Gujarati and Punjabi. Understand every number in the language your family speaks at home before you make an offer.
Who I help
Real income doesn’t always fit a bank’s box
Most of my clients were told no, or “come back in two years,” somewhere else. Here’s who I work with every week.
See All Loan Programs- Self-employed & business ownersQualify on bank deposits or a P&L, not your write-offs.
- Real estate investorsDSCR loans that qualify on the property’s rent.
- Immigrant familiesITIN, foreign income and limited U.S. credit history.
- First-time buyersFHA, low-down-payment and assistance programs, explained clearly.
- Foreign nationalsBuy U.S. property without a U.S. credit score.
- 1099 & gig earnersCommission, contract and multi-source income.
Loan programs
Non-traditional specialties
Plus every traditional option: conventional, FHA, VA, jumbo and refinance.
P&L-Only Loans
Qualify with a CPA- or tax-preparer-prepared profit and loss statement. No tax returns required.
Learn moreDSCR Loans
Qualify on the property’s rental income, including for investors with foreign income or no W-2.
Learn moreITIN Mortgages
Homeownership for borrowers with an Individual Taxpayer Identification Number instead of an SSN.
Learn moreForeign National Loans
Financing for non-U.S. residents buying a second home or investment property in Texas.
Learn moreAsset Depletion
Turn savings, brokerage and retirement balances into qualifying income.
Learn more
The broker advantage
One conversation. 160+ lenders working for your file.
Guidelines for non-traditional loans vary widely: one lender counts 100% of business deposits, another counts 50%; one needs 20% down, another 15%. That spread is the difference between a yes and a no. My job is to know it.
Your bank1
Shehzad at Matador Lending160+
Lenders, programs and guidelines compared on your behalf.
Talk it through
A 30-minute call in your language. We map your income, goals and timeline.
Shop the market
I compare programs and pricing across 160+ wholesale lenders.
Know your numbers
See your payment, cash to close and options before you make an offer.
Close with confidence
I quarterback underwriting, title and your agent through to the keys.
Aapki zubaan mein · In your language
Mortgage advice in Urdu, Hindi, Gujarati & Punjabi
Buying a home is a family decision. Bring your parents, your spouse, your business partner, and talk it through in the language you think in.
آپ کی زبان میں
Urduاردوआपकी भाषा में
Hindiहिन्दीતમારી ભાષામાં
Gujaratiગુજરાતીਤੁਹਾਡੀ ਭਾਸ਼ਾ ਵਿੱਚ
Punjabiਪੰਜਾਬੀ
Recognized
2025 NMP 40 Under 40
National Mortgage Professional named Shehzad one of the industry’s top 40 professionals under 40 for his creative work on non-traditional loans and his focus on borrower education.
Read Shehzad’s Story“I approach each file like a puzzle, and innovation is how I solve it.”
Follow along
Homebuying tips, in plain language
Shehzad shares market updates, first-time buyer education and real closing stories on social. Follow for weekly tips, and send a DM anytime.
FAQ
Common questions
What is a non-QM (non-traditional) mortgage?
A non-qualified mortgage is a home loan that verifies your ability to repay with something other than W-2s and tax returns, such as 12–24 months of bank statements, a CPA-prepared profit and loss statement, rental income from the property (DSCR), or your liquid assets. They exist for borrowers whose real income doesn’t show up cleanly on a tax return.
I’m self-employed and my tax returns show low income. Can I still buy a home?
Often, yes. Write-offs that lower your taxable income can make a bank say no. Bank statement and P&L-only programs look at the deposits and revenue your business actually produces. Shehzad will review your statements and tell you which lenders will count the most income before you make an offer.
Can my income from Pakistan, India or another country help me qualify?
Some lenders will count documented foreign income, and some DSCR investor programs don’t use personal income at all. Requirements vary a lot by lender, which is why shopping across 160+ wholesale lenders matters for these files.
Do you work with ITIN holders and foreign nationals?
Yes. Shehzad works with ITIN borrowers and foreign national buyers through lenders that offer those programs. Expect larger down payments and reserves than a conventional loan; he will walk you through the exact numbers for your situation.
Why use a mortgage broker instead of my bank?
A bank can only offer its own products and its own guidelines. As a broker, Shehzad compares programs, pricing and guidelines across 160+ wholesale lenders, then puts your file with the one that fits. All compensation is disclosed up front on your Loan Estimate.
Can we talk in Urdu, Hindi, Gujarati or Punjabi?
Absolutely. Shehzad is fluent in all four as well as English. Many families bring parents or relatives to the conversation, and you’re welcome to discuss everything in the language you’re most comfortable with.
Proudly serving Sugar Land, Houston, Missouri City, Stafford, Richmond, Rosenberg, Katy, Pearland, Fulshear, Fort Bend County and Harris County, with lending available across Texas and in other states through Matador Lending.
Let’s find your yes.
A 30-minute call. No pressure, no hard credit pull to talk through options.