I am searching for a unsecured personal loan from an independent lender?

unsecured personal loans
I have a high debt to income ratio because all of my income is not reported. Please dont say I deserve it for not paying all my taxes because my company is on a tip compliance with the IRS and they only make us pay tips on $20 per hour even though I make closer to $40. I am serious about this loan and I am willing to pay a higher interest rate but will not fall for any scams with up front fees. My credit is fair to good with my score appr. 640. I also do not have any problems on my credit. I have always paid what I owed and know I will pay this also. If you know of any lenders that could help me I would appreciate it. thank you

Where I can find unsecured personal and business loan lender that work with loan broker ?

personal loan
I call some banks but they told me that clients need to be present at the bank and apply by their self. is it legal to apply personal loan online on behalf of client and by their authorization ?
Thanks for answer !

How soon can we close on a home loan from the date of application ?

Home loan
Lets say If I apply for a home loan today with a bank/lender/broker , how soon can I be closing the loan ?

Can they close in 2 weeks from today if I put an application today ?