Tim Storm
Mortgage Advisor — Non-QM Specialist
Arbor Financial Group | NMLS #236669
For over 35 years, Tim Storm has been helping California borrowers secure financing when conventional lenders couldn't. He is one of the state's most experienced non-QM mortgage advisors — and the person behind NicheLending.com.
"Every borrower who walks through my door has a story. My job is to find the loan program that fits that story — not force them into a box that doesn't fit. After 35 years, I've seen almost every scenario imaginable, and I've learned that there's almost always a solution."
— Tim Storm, Mortgage Advisor
35 Years of Getting
Unconventional Loans Closed
Tim Storm began his mortgage career in 1989, when alternative lending was still a niche understood by only a handful of specialists. While most loan officers focused on conventional Fannie Mae and Freddie Mac products, Tim was drawn to the complex, the creative, and the unconventional — the borrowers that everyone else turned away.
Over the next three and a half decades, Tim built one of California's deepest track records in non-QM lending. He has closed loans for restaurant owners who couldn't show income on tax returns, real estate investors who needed DSCR qualification on rental portfolios, retirees with millions in assets but no W-2 income, and entrepreneurs whose write-offs made their taxable income look far smaller than their actual cash flow.
Tim has seen the industry through every cycle — the savings and loan crisis of the early 1990s, the dot-com boom, the 2008 financial crisis, and the post-pandemic rate environment. Through each cycle, his core approach never changed: find the right program for each borrower's unique situation, and get the loan closed.
Today, Tim operates through Arbor Financial Group under the NicheLending brand — a platform he built specifically to serve California borrowers who don't fit the conventional mold. His access to over 40 wholesale non-QM lenders means he can compare programs, rates, and guidelines across the market to find the best possible outcome for every client.
Whether you're a self-employed business owner, a real estate investor building a portfolio, a high-net-worth individual with complex assets, or someone who simply had a rough patch a few years ago — Tim has likely closed a loan just like yours before.
Credentials & Licensing
35 Years of Non-QM Milestones
Career Begins
Tim entered the mortgage industry just as alternative lending was emerging, learning the craft from the ground up in Southern California.
Non-QM Pioneer
Long before 'non-QM' was an industry term, Tim was structuring creative financing solutions for self-employed borrowers and real estate investors who couldn't qualify conventionally.
DSCR Specialist
Tim became one of California's earliest specialists in investor-focused debt service coverage ratio lending, helping real estate investors scale their portfolios without tax return documentation.
Post-Crisis Leadership
While the industry contracted after 2008, Tim doubled down on alternative lending — helping borrowers navigate the new regulatory landscape and access programs that still worked for complex income situations.
Bank Statement Programs
As self-employment surged in California's gig economy, Tim became a go-to resource for 12 and 24-month bank statement loans, helping thousands of entrepreneurs qualify based on actual cash flow.
NicheLending.com
Tim launched NicheLending to give California's self-employed borrowers, real estate investors, and high-net-worth individuals a dedicated resource — and a trusted advisor with the experience to get their loans closed.
Tim's Core Specializations
35 years of focus means Tim has closed thousands of loans in each of these categories — not just a handful.
DSCR Investor Loans
Qualifying real estate investors on property cash flow since before the term 'DSCR' existed in mainstream lending.
Self-Employed Borrowers
Bank statement, P&L, and 1099 programs for business owners whose tax returns don't reflect their true income.
Asset Depletion
Turning investment portfolios and retirement accounts into qualifying income for high-net-worth borrowers.
Complex Scenarios
Foreign nationals, recent credit events, non-warrantable condos, mixed-use properties — if there's a path, Tim finds it.
Experience You Can't
Find Anywhere Else
He's Seen Your Scenario Before
After 35 years and thousands of non-QM loans, Tim has encountered virtually every complex income situation, credit challenge, and property type. He knows what works — and what doesn't.
Direct Access to 40+ Wholesale Lenders
Tim works directly with over 40 non-QM wholesale lenders, giving you access to programs and rates that retail banks and most brokers can't offer.
He Closes What Others Can't
Tim's referral network is built on a reputation for closing loans that other loan officers declined. If there's a viable path, Tim will find it.
Personal Attention on Every File
You work directly with Tim — not a junior processor or call center. He reviews every file personally and stays involved from application to closing.
Tim Storm
Mortgage Advisor, NMLS #236669
Mon–Fri 8AM–6PM PT · Available for urgent scenarios after hours
Send Tim a Message
Tim personally reviews every inquiry and responds within one business hour.