NON-QM Loans in Washington D.C.
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Experience
Experience in the mortgage industry since 1997.
Security
End-to-end security for your online mortgage application.
Features
You will get the best mortgage rate possible for your case.
Support
Support at all stages of the deal.
Bank Statement Loans
Bank Statement Loan program is designed for self-employed borrowers who may not show enough income on tax returns to qualify for a traditional mortgage. Instead of using W-2s or tax documents, lenders evaluate 12 to 24 months of personal or business bank statements to verify income. These loans offer flexibility in qualifying and are ideal for small business owners, freelancers, consultants, gig workers, or anyone with non-traditional income streams. Loan amounts can be significant, credit score requirements are generally reasonable, and borrowers can use the funds for purchasing or refinancing a home. This option helps credit-worthy self-employed buyers access home financing without being penalized for legitimate tax write-offs or fluctuating income.
DSCR Loans
DSCR Loans (Debt Service Coverage Ratio Loans) are ideal for real estate investors who want to qualify based on the income of the property, not their personal income, job history, or tax returns. We calculate eligibility using the property’s monthly rent vs. the monthly mortgage payment—so if the property cash flows, you’re in good shape.
- No W-2s or pay stubs required
- No personal income verification
- Great for short- or long-term rental properties
- Use for purchases or refinances
These loans are perfect for self-employed borrowers, gig workers, or anyone building a real estate portfolio. Whether it’s your first rental or your tenth, we can help you scale with ease. Fast, flexible underwriting designed with investors in mind.
1099 Income Loans
For self-employed professionals, traditional mortgage qualification can be a hurdle due to fluctuating income or significant tax deductions. This specialized loan program directly addresses these challenges. It allows borrowers to leverage their 1099 earning statements as primary income verification, bypassing the need for traditional tax returns that may not reflect true earning power.
P&L Loans
Secure your financing with our 1-year and 2-year Profit & Loss (P&L) Statement loans. Designed specifically for self-employed individuals, these loans allow you to qualify using your business’s P&L statement—completely bypassing traditional income verification.
Foreign National
Expand your real estate portfolio in the United States. Designed specifically for international buyers who live and work in their home country, this program utilizes a straightforward Debt Service Coverage Ratio (DSCR) model. With a simple 1:1 cash flow ratio requirement, qualification is streamlined—meaning no U.S. credit history or traditional income verification is required to qualify for a purchase or refinance.
ITIN Mortgage Loans
Achieve the dream of homeownership in the United States using your Individual Tax Identification Number (ITIN). Designed specifically for borrowers without a Social Security number, this flexible Non-QM mortgage program allows you to qualify for a home loan as long as you meet standard eligibility requirements. This is a full-documentation loan program offering a reliable, structured path to buying a home.
Boris Cherner Mortgage Lender
Purchasing or refinancing your home is a complex undertaking that involves a number of participants and variables. I have been in the mortgage industry since 1997 and I understand the anxiety that comes with making the most expensive investment of a lifetime. My objective is to be your advisor, to educate you and to make the mortgage loan transaction as transparent and as stress-free as possible. I enjoy establishing personal connections and work mostly by referral. I thoroughly explain the process and available options, and guide my clients to make choices that best fit their needs and financial goals. Once the underwriting begins I communicate regularly and keep my clients apprised of the loan status from the beginning through the end. My relationship with clients does not end at the closing table. You are my client for life and I am always available to answer your questions and provide you with guidance.
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Free Consultation
Conventional Loans Reviews
Karin VanRyck
3 months ago
For 25 years I have referred friends and family to Boris for their mortgage needs. He prioritizes customer service and always provides thorough explanations, timely status updates and is quick to respond to questions. His years of experience have made him adept at identifying and troubleshooting potential closing hurdles. He consistently provides personable, professional, customer focused experience and he gets the job done!
Eugine Lev
5 months ago
Boris was a wonderful lender from start to finish—attentive, detail-oriented, and genuinely personable. He was consistently proactive in his communication, keeping us informed at every step of the lending process, and responding quickly whenever questions came up. His advice was always thoughtful and practical, helping us navigate the complex decisions with confidence. Thanks to his professionalism, market knowledge, and steady guidance, what could have been a stressful experience felt organized and manageable - he got ahead of any issues from the seller's end, ensuring they were handled in a timely manner, and all in all managed to get a mortgage approved in under a month! That's fantastic! We look forward to working with Boris in the future.
Drew Henriques
5 months ago
Boris is a true professional and the only person I use for my mortgage needs. I highly recommend him. He is thorough and expedient.
Alex Gold
5 months ago
I had great experience working with Boris Cherner on 3 new purchases and multiple refinancing. I really appreciate his attention to details, his explanation for each step, finding best mortgage options for each case. I highly recommend Boris to anyone looking for a dedicated and knowledgeable mortgage broker.
Tori Becker
6 months ago
We’ve worked with Boris and his team three times now, and every experience has been excellent. They are personable, professional, and consistently provide service tailored to our needs. The process is always fast and smooth. We’ll continue to use Boris and his team in the future and highly recommend them.
Brett Snyder
7 months ago
I have used Boris to buy multiple homes and multiple refinances dating back to 2019. I have spent countless hours talking with different mortgage brokers throughout the years, and by far he provides the best customer service and always with competitive rates. He has never been too busy to answer one of my calls or emails, and is always looking out for what is best for me.
Cody Phippen
7 months ago
Boris was the best possible person we could have reached out to, as first time home buyers. He walks you through everything and explains everything so well and makes it so easy to understand. You can tell how much he loves what he does and has your best interest in mind. I highly recommend him if you want to have nothing but a seamless, positive and most importantly, transparent home buying experience. He is the best!!! We will definitely be using him again for every property we buy going forward.
Dani Robles
8 months ago
Boris was nothing short of fantastic! We were recommended to him by our agent and he went above and beyond to make our loan happen. I am in a bit of an unconventional situation because I am a musician whose income comes from various sources of revenue, but Boris was extremely thorough and walked me through every step of the way. Because of my irregular income, my situation was fairly complex, but Boris was super knowledgable and was always extra accommodating when I had questions or concerns. I will be recommending Boris to all my friends looking for a mortgage in the future, and while I hope to be in my new home for a long time, I do hope that I get to work with Boris in the future!
Cole Forrester
9 months ago
I was recommended to Boris by one of my closest friends who just bought a house in SC. He had nothing but praise for Boris and his work. After getting rates and speaking with three different lenders, I chose to go forward in purchasing my home using Boris.
I am a first time military home buyer and when looking at these quotes I was clueless. Boris from day one sat down and discussed every piece of the quote, documents, and processes that I would go through when purchasing a house.
Throughout the entire process he would call and update me and keep me informed with where we were and what was expected from me. I could not have felt more confident when going forward with the purchase. Often times Boris would call and explain options and I would just tell Boris that I trusted him and to do whatever he thinks. That speaks a lot to Boris as a person and a lender.
Boris is professional, timely, adaptable and very assuring. He is a true subject matter expert for any circumstance or question I could throw at him. I will remain a client of Boris, for many years to come and am sure to recommend him to anyone else in similar circumstances.
I am a first time military home buyer and when looking at these quotes I was clueless. Boris from day one sat down and discussed every piece of the quote, documents, and processes that I would go through when purchasing a house.
Throughout the entire process he would call and update me and keep me informed with where we were and what was expected from me. I could not have felt more confident when going forward with the purchase. Often times Boris would call and explain options and I would just tell Boris that I trusted him and to do whatever he thinks. That speaks a lot to Boris as a person and a lender.
Boris is professional, timely, adaptable and very assuring. He is a true subject matter expert for any circumstance or question I could throw at him. I will remain a client of Boris, for many years to come and am sure to recommend him to anyone else in similar circumstances.
AG gomez
9 months ago
My husband and I met Boris through a referral from a friend. Boris helped us with the process to refinance our home it was a learning process for me and he was incredibly helpful he hold my hand through the process.He was extremely knowledgeable understanding he responded promptly and always willing to explain.I always felt he was looking out for the best in our loan. I’m extremely grateful for the help he provided in the way. I highly recommend Boris Cherner.
I will definitely be using his services in the future
I will definitely be using his services in the future
Alina Shafii
10 months ago
Boris was incredibly supportive during the purchase and financing of my first home. I felt fortunate to have a trusted advisor throughout the process that was communicative, trustworthy, and able to answer our questions in a way that I could understand. I highly recommend Boris to anyone looking for a knowledgable and reliable mortgage lender.
Alex Kotlyanskiy
10 months ago
Boris was great and easy to work with when buying our first home. He is communicative, detailed, and personable. He was very helpful during the stressful and complex process of home buying- laying out all the options we had at our disposal and keeping us updated at every step. We are definitely super glad we had Boris as part of our team to make our home a reality.
Madison Mershon
12 months ago
Boris was incredible to work with throughout the whole process of selling our home and purchasing our new one. He was easy to communicate with and always made himself available when we had questions or needed something done!
Christian & David
12 months ago
My partner and I reached out to Boris for help with our refinance after some frustrating experiences with other mortgage lenders, and we could not be happier with that decision. Boris was a thoughtful, thorough, and reliable partner to us throughout the process. He took time to explain every step in detail and approached each decision with transparency, patience, and integrity that was so refreshing to see after the previous experiences we had. We felt consistently supported and informed without ever feeling pressured, and we could not be more pleased with the outcome. He was so good, in fact, that I've recommended him to my mom who's a realtor. So glad we've found a mortgage lender we can rely on for the foreseeable future, and I'd be happy to recommend him to anyone else in need of his services.
Brian Cholewa
1 year ago
I’ve worked with Boris on three separate loans over the last six years or so. He always puts in the effort to make sure I’m getting the best rate possible and looks for any possible discounts along the way to minimize the impact of setting up a new loan. Boris also stays involved in the process from beginning to end to make sure the transaction goes smoothly. I recommend his services to anyone in the market for a quality mortgage lender and is looking for the most competitive rates.
Tom Burke
1 year ago
I highly recommend Boris. I've had the opportunity to do business with Boris several times. He's most knowledgeable and a great guy with whom to work.
UD
1 year ago
Dinesh Khurana
1 year ago
I have worked with Boris Cherner from Capital Bank at couple of occasions.. it has always been a pleasurable experience.. Boris always goes extra mile to help and do his job.. He is quick in responding with accurate info.. Boris is such a friendly person to work with, will be reaching out to him for all my future mortgage needs.. thanks Boris
James Tai
1 year ago
Boris is the best mortgage lender that I have ever worked with! He has helped me for 20+ years now with my mortgages, refinanced, and HELOCs. Even when I thought there was no way I could afford a second or third property, Boris saves the day and gives me solutions that work. He is an expert, he explains everything, and he follows through. He makes dreams come true!
Katelin Mershon
1 year ago
Have used Boris for years now and always recommend him to friends and family. Very easy to work with and will continue to go to him!
Alex Cwalinski
1 year ago
This is my 3rd time working with Boris and Capital Bank.
Boris has been incredibly helpful, patient, and kind. He takes my calls and answers my emails/texts at all hours to ensure I have everything necessary to close on time.
When purchasing my first home in 2018 I encountered an issue where the sale was likely to fall through due to financial constraints. However, Boris continued to work with me to figure it out. It really felt like he was rooting for me and with his help I was able to purchase the home using my VA benefits.
In 2020 I moved and purchased another home with the help of Boris. Now I’m working with him for a 3rd time. I’ve even recommended a close friend to Capital Bank, and would recommend anyone else to do so.
Boris has been incredibly helpful, patient, and kind. He takes my calls and answers my emails/texts at all hours to ensure I have everything necessary to close on time.
When purchasing my first home in 2018 I encountered an issue where the sale was likely to fall through due to financial constraints. However, Boris continued to work with me to figure it out. It really felt like he was rooting for me and with his help I was able to purchase the home using my VA benefits.
In 2020 I moved and purchased another home with the help of Boris. Now I’m working with him for a 3rd time. I’ve even recommended a close friend to Capital Bank, and would recommend anyone else to do so.
Jason Lamm
1 year ago
Boris Cherner has helped me with multiple refinances of my home. He makes the process easy and straightforward. He has helped me to save a lot of money. Best interest rates too!
sidney flores
2 years ago
I just bought my first home and used Boris as my lender. He was extremely helpful and very available at all times of the day. Whenever I had questions, I would text and he would immediately call me to explain in detail. He is extremely knowledgeable in all loans especially the VA loans. I highly recommend Boris for his services.
LES PEWITT
3 years ago
Boris was great to work with and always available.
Chris N
3 years ago
Boris is my go-to guy when I need to get a loan. He was highly recommended in one of the professional forums.
When the rates went down and his organization's policy did not allow the rate adjustment, he put my best interest first and let me know that I could look at other options outside. That's when I knew that he would do what was best for his customers.
In my recent complex loan, Boris was a problem solver and guided me through a successful closing. He is very knowledgeable and quick to respond. I have recommended him to all my friends and contacts.
When the rates went down and his organization's policy did not allow the rate adjustment, he put my best interest first and let me know that I could look at other options outside. That's when I knew that he would do what was best for his customers.
In my recent complex loan, Boris was a problem solver and guided me through a successful closing. He is very knowledgeable and quick to respond. I have recommended him to all my friends and contacts.
Rubén Meana Pañeda
3 years ago
Boris was recommended to us by some neighbors. We refinance our house mortgage with him and the experience was great. He help us on all the steps along the way and he is always eager to give us good advice. We recommend him and we will keep using his services in the future.
Julie Guffey
3 years ago
Recommended by a close friend of mine, I reached out to Boris for assistance in purchasing a home. I was impressed from the first time we spoke. His knowledge and professionalism exceeds any expectations I had. Boris was quick to respond, answer any questions, and be there whenever I needed him throughout the entire process. He did everything for me possible which made the process simple for me. I would recommend Boris to anyone! He is reliable, trustworthy and exceptional in his field!
Jay Strong
3 years ago
Boris helped me buy two homes and refinance one. He is both professional and competent. Most important of all, he is an honest man. I highly recommend using him!
prathap prabakar
3 years ago
Davy Chien
3 years ago
Boris is very professional and get our loan refinanced done on time and easy
Laxman Paladugu
3 years ago
Boris is one of most experienced and knowledgeful mortgage professional. In my refinancing process he explained each and every step very clearly and supported me in complete process with 100% transparency. I would work with him again and recommend to others!
David Klein
3 years ago
Boris was recommended to me a couple years ago by my daughter. He was exceptionally easy to work with and kept us informed every step of the way. When interest rates went down .5 he recommended a streamline refi. Which was even easier. I strongly recommend Boris if you are looking for a loan, VA or otherwise.
PJ Hamidi
3 years ago
I've had excellent experiences with Boris, both on the refinance side and the new home mortgage side. He has always been very responsive, patient, clearly communicative, informative, and able to provide the most competitive rates. I'd highly recommend working with him.
Adrian Pirvu
3 years ago
Boris is an absolutely exceptional Mortgage Banker! He has helped me through two mortgage refinances and my father-in-law through one. Because I had such a great experience with him through my first refinance, I specifically sought him out when I was looking for my second and when my father-in-law was looking to complete his. Boris goes above and beyond for his clients and he always ensures that their best interests are the top priority.
You will not find a better Mortgage Banker than Boris!
You will not find a better Mortgage Banker than Boris!
Mukul Mehta
3 years ago
Boris is one of the most seasoned and experienced mortgage professional I have ever worked with. He patiently explained to me the mortgage refinance process, answered every question I had in detail and never pressured me to make a decision. He is equally great with paper work and ensuring the mortgage process completes on time without any issues. I will highly recommend Boris Cherner whether you are a first time home buyer or refinancing your property.
Gene K
3 years ago
Boris was a wonderful person to work with during my first home-buying experience. He got me the best rates while also being incredibly patient and supportive, educating me and guiding me every step of the way. He let me know exactly what to expect and there were no surprises at any point during the purchase and lending process. He made sure the process was smooth and painless, and was constantly in touch from start to end so things could move along. I highly recommend Boris!
Clement Joseph
3 years ago
I have refinanced my home loan 2 times with the help of Boris. He is such a patient person who is never tired of answering your queries.
He also knows the stuff he's doing.
I had recommended Boris to atleast 15 people in my community and everyone got the best support
He also knows the stuff he's doing.
I had recommended Boris to atleast 15 people in my community and everyone got the best support
Anya Chugunova
3 years ago
I worked with Boris and his team on mortgage refinance of my home. The level of care, attention to detail, and professionalism demonstrated by Boris far surpassed my expectations. I really appreciated his knowledge, honesty and transparency throughout the mortgage refi process. Boris stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns. I highly recommend Mr. Cherner and his team for all your mortgage needs!! A++++++
Abdul Khan
3 years ago
I have had the pleasure of working with Mr. Cherner for the home mortgage needs, and the satisfying experience leading to recommend my two other friends - who also had similar thoughts and an enjoyable experience. What stood out to me was his advise on getting the best rates, but also hand-holding at every step on the documentation needs (which becomes overwhelming). If you are in the market looking for for experience and good value, reach out to Boris. I hope you will not be disappointed.
sangrae jo
4 years ago
I was lucky enough to meet Mr. Boris in my real estate investment journey during the last 5 years. I worked with him for my 3rd primary residence refinance loan and 4th primary residence loan. I had excellent outcomes from both. I am very happy with that and definitely, I really want to work with him for my future homes for sure.
As a customer, I always think communication is the top priority. Whenever I had some questions and needed some advice on my loan options, he was always there and answered quickly within an hour during business hours. Last time, I had some emergency matter during weekends with my loan and he definitely spent his off-duty time for helping me out. I am so sorry about that sincerely.
With that being said, he is a very professional and subject matter expert. He always had many options and guided me with the best option in my situation. Also, his loan rate is very competitive to other loan companies. It tremendously supported my real estate investment journey.
As a customer, I always think communication is the top priority. Whenever I had some questions and needed some advice on my loan options, he was always there and answered quickly within an hour during business hours. Last time, I had some emergency matter during weekends with my loan and he definitely spent his off-duty time for helping me out. I am so sorry about that sincerely.
With that being said, he is a very professional and subject matter expert. He always had many options and guided me with the best option in my situation. Also, his loan rate is very competitive to other loan companies. It tremendously supported my real estate investment journey.
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