Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.

Smart Mortgage Solutions When Banks Say No

At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.

Helping You Get Approved When Others Say No

Specializing in non-traditional lending solutions for real people with real financial situations — from self-employed borrowers to real estate investors.

Ready to Buy Your First or Next Home?

States We Serve

Proudly Serving Borrowers Across Multiple States

We currently serve clients across the following states:

Florida
Texas
Colorado
South Carolina

Who We Are

Call The Mortgage Guy was built to solve a frustrating problem — too many qualified borrowers are denied simply because they don’t fit into a traditional lending box.

Banks rely on rigid guidelines. We don’t.

We work with a wide network of lenders to provide flexible financing solutions tailored to each borrower’s unique situation. Whether you're self-employed, investing in real estate, or navigating complex income structures, we help you find a path forward.

Our approach is simple:

Understand your situation
Structure the deal correctly
Match you with the right lending solution

Because getting a mortgage shouldn’t feel impossible.

What We Specialize In

DSCR Loans for real estate investors
Non-QM Loans for self-employed borrowers
Bank statement loans
ITIN loans
Asset-based lending
Refinance & cash-out options

Get Your Pre-Approval Letter Now!

MEET THE FOUNDER & CEO

Dan Deppen

Dan Deppen brings deep expertise in underwriting and loan structuring, with a focus on helping borrowers navigate non-traditional lending scenarios.

Through his work with Call The Underwriter, Dan has helped countless borrowers understand not just whether they qualify — but why they qualify, and how to position their application for approval.

Dan specializes in the following:

Complex Loan Scenarios

Non-QM Underwriting

Guideline Interpretation

Structuring Deals for Approval

Built for Borrowers Who Don't Fit the Bank Box

Mortgage Solutions Designed for Real-World Financial Situations

Most lenders are trained to look for reasons to say no.
We’re built to look deeper.

At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.

Ready to See What's Possible?

Start With a Conversation - Not An Application

You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.

Mortgage Loan Originator

Steve Johnson

Steve Johnson brings over 15 years of experience in real estate, finance, and operations. With a background that includes overseeing more than 1,000 rental units as a Chief Operating Officer, Steve understands real estate from both the ownership and investment side.

His experience extends beyond traditional lending — he has structured deals, managed portfolios, and worked closely with investors and business owners who don’t fit the standard W-2 borrower profile.

Steve specializes in helping: