JON TAW — MORTGAGE BROKER & ADVISOR
Mortgage broker for the families other lenders gave up on.
Non-QM specialist · First-time buyers · Real estate investors.
Personal NMLS# 2607503 · Licensed in 49 States
I was doing this before I ever thought about getting paid.
Long before I held a mortgage license - before I ever thought about being compensated for this work - I was serving at our Burmese refugee church, helping families navigate a world that wasn't built for them. My family helped translate at hospitals, filled out paperwork, walked people through the day-to-day things that are hard enough in your first language.
Then families started buying homes. They needed someone to help them understand the mortgage - what the terms actually meant, which lender was giving them a fair deal. So I started calling banks. Multiple banks. Comparing products. Finding the right loan for each family.
"I helped one family buy two homes and refinance twice. Never once thought about a paycheck. That was my first real introduction to mortgage brokering - and it told me everything I needed to know about why this work matters."
Jon Taw
That's where this calling started. Not in a training room. At a church, next to people who just needed someone to show up and fight for them.
I've been that client. The one the system wasn't built for.
I've been an entrepreneur since I was eight years old - selling Pokémon cards, building websites. I built a business on Amazon and worked my way into the top 5% of sellers on the platform. When I started investing in real estate, I went to the banks and retail lenders the way everyone does. And I got turned down. Not because the numbers didn't work - but because the system isn't designed for people who build things differently.
That rejection taught me something structural. The mortgage industry is excellent at telling buyers what they qualify for on paper. It's not as good at telling them what they can actually sustain - and those are different numbers. The gap between them is where people get into trouble.
So I rebuilt my approach. I learned every Non-QM program available, every down-payment assistance option in every state, every angle the big banks miss or decline to offer. I started taking the files they kicked back - self-employed buyers, ITIN borrowers, people with a credit event 18 months in the rear-view.
"I was rejected by banks and retail lenders trying to buy investment property myself. Now, as a mortgage broker, I have 400+ products that can open the door to real estate investing for millions of Americans those same lenders turned away. That's a beautiful thing."
Jon Taw
Now I'm the broker for the families other lenders give up on. I pre-underwrite every file. I custom-tailor every package. I walk every buyer through the entire process, from first call to keys in hand.
I SPECIALIZE IN the hard stuff.
Non-QM lending
Bank Statement, P&L, 1099, DSCR, ITIN, Foreign National, Asset Depletion.
First-time homebuyers
FHA, Conventional, USDA, VA, state DPA navigation.
Self-employed financing
When tax returns don't tell the whole story.
ITIN borrowers
Real fixed rates for buyers without SSNs.
Real estate investors
DSCR, BRRRR, portfolio, foreign national.
Realtor partnerships
24hr Pre-underwrite, Non-QM education, big referral network.
I'm not shooting a rate. I'm structuring. I'm custom tailoring.
I pre-underwrite every file
I review every document before submission — not after. No closing-day surprises. The client does about 30 minutes of work. I pour in many hours.
I'll never max out your loan
A lot of loan officers qualify you for the maximum and move on. I don't. The question I always ask: can they stay in this home comfortably? I'll sleep better being conservative.
It's not if — it's when
Not ready today? That's fine. I'll walk with you for months, even years, building your profile until the moment is right. We're off to the races when you are.
I custom-tailor every package
140+ lenders, 400+ products. I match your file to the lender that wants it most — that's how rate gets sharp and the file doesn't surprise you at the table.
LICENSED & VERIFIABLE.
Edge Home Finance Corporation · Company NMLS #891464.
Verify every license at NMLS Consumer Access. Personal NMLS# 2607503. Licensed in 49 states.
State-specific licensing details available on request. The reason that works: my company's Client Care Team enables coverage everywhere I'm not personally licensed.
Verify on NMLS Consumer AccessChild of God. Son. Brother. Uncle. Friend. Advocate.
I happen to do mortgages - but that's not who I am first. I'm mission-driven before I'm career-driven. I serve in my church. I'm involved in my community. I help nonprofits. I show up for the people in my life the way I show up for clients: fully present, no transaction.
When I'm not running numbers, you'll find me cooking something good, working out, traveling somewhere new, reading, or playing chess with my nieces and nephew. Life is an adventure. I refuse to just work and let it pass me by.
"I custom-tailor mortgage packages for families. I was the last stand for buyers other lenders gave up on. I unlock doors that have been shut. That changes the trajectory of generations."
Jon Taw
Let's talk.
Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes and document submission, if turned in before 12pm. I'll have a pre-approval letter in your inbox tomorrow morning.
Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026