Your Local CrossCountry Mortgage Loan Officer
Brian Sciutto
- Sr. Vice President
- San Diego, CA Mortgage Loan Officer
- NMLS # 240192
Specializing in all things Non-QM
Hello! I’m Brian, a Sr. Vice President at the San Diego, CA branch of America’s #1 Retail Mortgage Lender. I know that every financial story doesn’t match the traditional mold. That’s why I specialize in Non-Qualified Mortgage (Non-QM) solutions. If you’re self-employed, a real estate investor or have non-traditional income, I’m here to help you with home financing.
Non-QM loans are designed for borrowers like you: those with strong assets or income, but who may not meet standard documentation requirements. With the CCM Signature Series, I offer flexible programs like Bank Statement, DSCR, 1099, Asset Qualifier and more to achieve your goals.
From our first conversation through closing, I’ll provide clear guidance, transparent communication and a process designed to help you feel confident every step of the way.
With personalized service and flexible options, I’m here to help you move forward on your homeownership or investment journey — no matter how unique your path may be.
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Frequently asked questions
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Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.
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Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.
DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.
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Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.
But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.
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Bank Statement loans allow you to qualify for a mortgage using your bank statements instead of tax returns. These loans are designed for borrowers who have strong credit and finances but don’t have traditional income, like self-employed workers.
To qualify, you’ll use the average of your deposits over a 12- or 24-month period. If your work doesn’t provide a W-2, this may be the loan for you.
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ITIN loans give you a way to qualify for home financing without a Social Security number. Instead, your Individual Tax Identification Number (ITIN) makes homeownership possible.
At CrossCountry Mortgage, we provide numerous ways to qualify using an ITIN. Bank statements, liquid assets, 1099 income and more can all be used to buy a home with our ITIN loan.
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No. Conventional loans follow criteria established by the Consumer Financial Protection Bureau (CFPB). Non-QM loans use different standards that provide flexibility for borrowers who may not meet conventional requirements due to the type of home being purchased, financial circumstances or non-traditional income or employment.