He is professional, patient, kind, and diligent. Mehdi’s guidance and support made a stressful experience feel manageable, and his honesty and reliability gave me total peace of mind.Home buyer, Willow Glen · Google
Independent Mortgage Broker · Bay Area, California
A San Jose mortgage broker for first homes and complex loans.
No one should sign a mortgage they don’t fully understand. First home, self-employed income or a jumbo loan, I walk you through every option — as many times as it takes — until the right choice is obvious to you, not just to me.
or write to mehdi@mehdikousha.com
NMLS #633059 · CA DRE #01470042 · Reliance Bay Funding NMLS #348792
Twenty yearsin mortgage lending
Banker turned brokerPenFed · Citigroup · Bank of America
English & Farsithe same service in both
Loan Programs
Two practices, one standard of care.
Half my clients are buying their first home. The other half bring files that banks struggle with: self-employed income, stock compensation, jumbo price points, rental portfolios. Both get the same thing: every option on the table, explained until it’s clear.
Self-Employed & Bank Statement
Your tax returns are written to lower your tax bill, which is exactly why they’re a poor picture of what you earn. On select programs, business owners, freelancers and 1099 earners can qualify on bank statements, a CPA-prepared P&L, or assets instead.
Learn more →First-Time Buyers
Nobody explains what any of it actually means. I do: the whole process in order, at your pace, with low down payment options where they fit. Bring every question you have; that’s what the first conversation is for.
Learn more →Jumbo & Super-Jumbo
Around here, prices clear the conforming limit long before the house looks expensive. Financing above those limits for Silicon Valley price points. Paid partly in RSUs? Some lenders count stock compensation, on select programs for qualified borrowers.
Learn more →Investment Property & DSCR
Every financed property makes the next one harder to qualify for on personal income. Purchase and cash-out financing for rentals, including DSCR programs that qualify on the property’s own income rather than your tax returns.
Learn more →Conventional
The loan most salaried buyers end up with, and the yardstick I measure every other program against. Fixed and adjustable, purchase and refinance, up to the higher loan limits allowed in Santa Clara County.
Learn more →Home Equity & HELOC
If you locked a low rate on your first mortgage, there’s no reason to give it up. A home equity line or loan sits behind it and leaves that rate exactly where it is. Lines up to 90% of your home’s value, counting both loans, on select programs for qualified borrowers.
Explore home equity →Seven calculators, from monthly payment to rental DSCR.
How We Work
Four steps, in order, no surprises.
01
The conversation
Twenty to thirty minutes on your goals, numbers, and timeline. No credit pull until it actually helps you.
02
Strategy & pre-approval
Documentation mapped to your profile — W-2, self-employed, or RSU — and a pre-approval that holds up with listing agents.
03
The right structure
Programs and lenders compared side by side, trade-offs included, so you choose with the full picture in front of you.
04
Clear to close
I manage underwriting conditions and deadlines. You sign understanding every page you’re signing.
Client Reviews
In their words, not mine.
Mehdi was amazing! He is fast, always reachable (even during the evenings), and is super knowledgable and willing to help. …He made the whole home buying process so easy.Home buyer · Google
About
Banker’s discipline, broker’s freedom.
I spent the first chapters of my career inside big banks, in senior lending leadership roles at PenFed, Citigroup and Bank of America, approving loans and watching good borrowers get declined for reasons that had nothing to do with their ability to repay. As an independent broker with Reliance Bay Funding I keep the discipline and lose the box: one application, compared across many lenders, matched to the program built for your situation.
Next step
Let’s talk through your scenario.
Tell me where you are: a house you’ve seen, a refinance or equity question, a decline letter from a bank, or just a question. I’ll tell you plainly what’s possible and what it would take.
- Phone(408) 800-6591
- Emailmehdi@mehdikousha.com
- ServingSan Jose · Morgan Hill · Gilroy
& the greater Bay Area
Conversations available in English and Farsi. گفتوگو به زبان فارسی.