Dipika Contractor

The mortgage industry was designed for W2 employees.
If you're self-employed, you already know the system wasn't built for you.
You built a business. You manage cash flow. You take calculated risks every day.
But walk into a bank and suddenly you're "too risky."
I specialize in exactly the borrowers banks overlook:
✓ Business owners ✓ 1099 contractors ✓ Freelancers and consultants ✓ Real estate investors ✓ Anyone whose income doesn't fit a neat little box
You don't need a W2. You need the right lender.
How long have you been self-employed?
I offer loan products that banks, credit unions, and hard money lenders can't. DM me to see what's possible.


Dipika Contractor
Mortgage Loan Advisor
NMLS #2074386, Co NMLS #320841 Https://dipikacontractor.com

Equal Housing Lender

Home | Dipika Contractor I am a dedicated Loan Officer with over five years of industry experience, specializing in both Qualified Mortgage (QM) and Non-QM loans. My expertise includes assisting...

One of my favorite clients to work with is Oly — a seasoned investor who is also a realtor herself. She knows the market. She knows how deals are supposed to work. And she still chose to work with me on her financing — not because she didn't have other options, but because she wanted someone who would advocate for her the same way she advocates for her own clients. That trust means everything to me. I think about this when I work with realtors in these groups. You are also investors in many cases — or you have clients who are. The question isn't whether a deal is possible. It's whether your loan officer will fight hard enough to get it to the table. I've been doing this for over 5 years. Conventional, DSCR, bank statement, foreign national — I've worked across all of it. If you have a deal that needs a second opinion, or a client who got a no somewhere else, let's talk. No obligation. I'll just look at it and tell you honestly what I see. 📲 832-560-9703 | DM me here



Dipika Contractor
Mortgage Loan Advisor
NMLS #2074386, Co NMLS #320841 Https://dipikacontractor.com

Equal Housing Lender

Home | Dipika Contractor I am a dedicated Loan Officer with over five years of industry experience, specializing in both Qualified Mortgage (QM) and Non-QM loans. My expertise includes assisting...

Got a review recently that was worth sharing. A client said they wanted to give me 100 stars but the system only allows 5 — so they gave me the 5. They wrote: "Dipika goes over and beyond. Extremely professional." I don't share this to brag. I share it because I think it reflects something real about how I work — I don't clock out on a deal when it gets complicated. And mortgage deals always get complicated at some point. What I've found working with investors and realtors in Houston: the thing people remember isn't the rate. It's whether their loan officer was reachable when something went sideways and whether they kept fighting for the deal. That's what I try to be for every client I work with — and for every realtor who trusts me with their buyer or investor. If you haven't worked with me yet, I'd welcome the chance to earn that kind of review from your clients too. 📲 832-560-9703



Dipika Contractor
Mortgage Loan Advisor
NMLS #2074386, Co NMLS #320841 Https://dipikacontractor.com

Equal Housing Lender

Home | Dipika Contractor I am a dedicated Loan Officer with over five years of industry experience, specializing in both Qualified Mortgage (QM) and Non-QM loans. My expertise includes assisting...

Hard money gets you in the door fast. But it's not a long-term strategy.
Here's how investors are using both:
Hard money — short term, fast close, higher rate, great for flips
DSCR loan — 30-year fixed, based on rental income, built for holds
The move: use hard money to acquire and stabilize, then refinance into a DSCR loan to lock in long-term financing at a lower rate.
Most hard money lenders won't tell you about the exit because they want you to stay on their product.
I work with both sides of that transaction.
Are you currently using hard money to hold rentals?
I offer loan products that banks, credit unions, and hard money lenders can't. DM me to see what's possible.


Dipika Contractor
Mortgage Loan Advisor
NMLS #2074386, Co NMLS #320841 Https://dipikacontractor.com

Equal Housing Lender

Home | Dipika Contractor I am a dedicated Loan Officer with over five years of industry experience, specializing in both Qualified Mortgage (QM) and Non-QM loans. My expertise includes assisting...