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Your Path to Homeownership Starts Here
Personalized mortgage guidance from a licensed loan originator who takes the time to understand your unique financial situation — no jargon, no pressure, just clarity.
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About Me
Meet Ishwor "Avhin" Shrestha
Mortgage Loan Originator
I'm Ishwor (Avhin) Shrestha — a licensed Mortgage Loan Originator (NMLS #2555084) dedicated to helping individuals and families navigate the home financing process with confidence. Whether you're buying your first home, looking to refinance, or have a non-traditional income, I'm here to help you find the right path forward.
I work with a wide range of borrowers — from W-2 employees to self-employed professionals, real estate investors, and ITIN holders — because I believe everyone deserves access to clear, honest mortgage guidance.
My approach is simple: listen first, educate always, and find solutions that make sense for your life and your goals.
NMLS #2555084
All Borrower Types
W-2, self-employed, ITIN & investors
Clear Communication
No jargon, no surprises.
Loan Programs
Find the Right Loan for Your Situation
Every borrower's financial picture is different. Explore the programs below to see which may be the right fit — or schedule a consultation and we'll find the best options together.
Conventional Loans
Ideal for borrowers with strong credit and stable income. Flexible terms with competitive rates for primary residences, second homes, or investment properties.
FHA Loans
Government-backed financing designed for first-time homebuyers or those with lower credit scores. Lower down payment requirements make this an accessible path to ownership.
VA Loans
Exclusive benefits for eligible active-duty service members, veterans, and surviving spouses — including no down payment options and no private mortgage insurance.
Refinance
Thinking about lowering your monthly payment or adjusting your loan term? A refinance can help you restructure your existing mortgage to better match your current goals.
Cash-Out Refinance
Access the equity you've built in your home to fund home improvements, consolidate debt, or cover major expenses — while potentially adjusting your rate and term.
DSCR / Investment Loans
Qualify based on a property's rental income rather than personal income — a powerful tool for real estate investors looking to grow their portfolio without traditional income documentation.
ITIN Loans
Designed for borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) rather than a Social Security number. Homeownership is possible regardless of citizenship status.
Bank Statement Loans
For self-employed borrowers and entrepreneurs who may not show traditional income on tax returns. Qualify using 12–24 months of business or personal bank statements.
Non-QM Options
Non-traditional financing for borrowers who don't fit conventional guidelines. From asset-based loans to interest-only options, there may be a solution that works for your unique situation.
The Process
How It Works — 4 Simple Steps
Getting a mortgage doesn't have to be overwhelming. Here's what to expect when you work with me, from first conversation to closing day.
Most clients move from initial consultation to pre-approval within just a few business days. I'll keep you informed at every stage so there are no surprises along the way.
Why Work With Me
Expertise You Can Trust. Guidance You Can Count On.
Access to Multiple Loan Programs
I work across a broad range of loan types — conventional, government-backed, and non-traditional — so your options aren't limited to a single product or lender profile.
Specialists in Non-Traditional Income
Self-employed? Investor? ITIN holder? I specialize in helping borrowers whose income doesn't fit the standard W-2 mold find legitimate, compliant financing pathways.
Transparent, Education-First Approach
I take the time to explain your options clearly, including costs, trade-offs, and timelines. You'll always understand what you're agreeing to before you sign anything.
Responsive & Accessible Communication
Questions don't follow a 9-to-5 schedule — and neither do I. Reach me by phone or email and expect clear, timely responses throughout your loan journey.
Licensed & Compliant (NMLS #2555084)
All advice and loan origination services are provided in full compliance with state and federal mortgage regulations, protecting you at every step of the process.
FAQ
Common Mortgage Questions, Answered
New to the mortgage process? You're not alone. Here are answers to the questions I hear most often — explained plainly, without the industry jargon.
1
What credit score do I need to buy a home?
It depends on the loan type. FHA loans may allow scores as low as 580, while conventional loans typically require 620 or higher. Non-QM options may be available for lower scores. A consultation helps identify which programs you may qualify for.
2
How much do I need for a down payment?
Down payment requirements vary by program. VA loans may offer 0% down for eligible veterans. FHA loans typically require 3.5%. Conventional loans can start at 3–5% down. We'll review what makes sense for your situation.
3
Can I qualify if I'm self-employed?
Yes. Bank Statement Loans and Non-QM programs are specifically designed for self-employed borrowers. Instead of tax returns, lenders may use 12–24 months of bank statements to evaluate your income and repayment ability.
1
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate based on self-reported information. Pre-approval involves a full credit review and document verification, making it a much stronger signal to sellers that you're a serious, qualified buyer.
2
Can I get a mortgage with an ITIN number?
Yes. ITIN loans are available for borrowers who do not have a Social Security number but file taxes using an Individual Taxpayer Identification Number. Documentation requirements will vary, and I can guide you through the process step by step.
3
How long does the mortgage process take?
Timelines vary based on loan type, lender, and borrower readiness. Typically, the process from application to closing takes 21–45 days. Being prepared with your documents upfront is one of the best ways to keep things moving smoothly.
Get Started
Ready to Take the Next Step?
Whether you're just starting to explore your options or ready to move forward, I'm here to help. Schedule a free, no-pressure consultation and let's talk about what's possible for your situation.
📞 Call or Text
660-528-0068
Available for calls, texts, and quick questions throughout the week.
📧 Email Me
Send your questions or request a consultation time that works for you.
🏢 NMLS #2555084
Ishwor "Avhin" Shrestha
Licensed Mortgage Loan Originator operating in compliance with all applicable state and federal regulations.

Ishwor "Avhin" Shrestha | NMLS #2555084 | Xpert Rate | This is not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states. Rates, terms, and conditions are subject to change without notice. Equal Housing Lender.