No Tax Return Mortgages
Self Employed | Business Owner's | Investor's | Independent Contractor's | Commission Sales | High Net Worth
No Tax Return Mortgages
No Tax Return Mortgages are “generally” for borrower’s unable or unwilling to use their tax returns to qualify for a mortgage. This would include Business Owner’s, Investor’s, Commission Sales People, Independent Contractor’s (1099) and similar people who show excessive write-off’s making it difficult to prove their income qualify here.
We simplify the process for No Tax Return Mortgage borrower’s.
Bank Statement Loans
- Qualify Using 12 or 24 Months Personal or Business Bank Statements.
- Primary Residence, Second Home and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- SFR, Condos, Townhouse and 2-4 Units
- Loans: $150k to $10 Million +
- Terms: Fixed, ARM’s and Interest Only
- No Mortgage Insurance Required
Stated Income Loans
- Excellent Option for Fix ‘n Flip Investment Properties
- NO Income Requirements.
- Commercial Properties Allowed
- Purchase, Rate/Term and Cash-Out Refinance
- Terms: Fixed, ARM’s and Interest Only
- Loans: $150k – $10 million
- Residential: SFR, Condos, Townhouse and 2-4 Units
- Commercial: 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
Private Money Loans
- Close Transactions in 5-10 Days
- No Income Requirements.
- Commercial Properties Allowed
- Fix ‘n Flip or Investment Properties.
- Purchase, Rate/Term and Cash-Out Refinance
- Terms: Fixed, ARM’s and Interest Only
- Loans: $150k – $10 million
- Residential: SFR, Condos, Townhouse and 2-4 Units
- Commercial: 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
Asset Depletion Loans
- High Net Worth Individual’s
- Use Personal Bank Statements – No Tax Returns
- Primary Residence, Second Homes and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- Loans $180k to $5 Million +
- Terms: Fixed and ARM’s
- SFR, Condos, Townhouse and 2-4 Units
Jumbo Mortgage Loans
- Excellent Option For Borrower’s Needing Loans Exceeding Fannie Mae and Freddie Mac Conforming Loan Limits in California
- Interest Only Options Available
- Qualify Using 12 or 24 Months Personal or Business Bank Statements
- Primary Residence, Second Home and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- SFR, Condos, Townhouse and 2-4 Units
- Loans: Above Conforming to $10 Million +
- Terms: Fixed, ARM’s and Interest Only
- No Mortgage Insurance Required
Tax Return Mortgages
Employed | Athlete's | Retired | Veteran's | Self Employed (some)
Tax Return Mortgages
Tax Return Mortgages (Full-Doc Loans) are generally for employed borrower’s who can document all their income necessary to qualify for a mortgage. This would include salary or hourly wage earner’s who receive a regular pay check qualify here.
Under some circumstances, self-employed borrower’s are able to qualify full-doc. Example: Owner’s who pay themselves a salary or limit their tax return write-off’s.
Conventional Loans
- Qualify Using Pay-Stubs, W-2’s and Tax Returns
- Primary Residence, Second Home and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- SFR, Condos, Townhouse and 2-4 Units
- Loans: $150k to County Conforming Loan Limits
- Terms: Fixed, ARM’s and Interest Only
Portfolio Loans
- Super Jumbo Mortgage Loans – $5 Million to $50 Million +
- Mortgage Option for Company Executive’s, Professional Athlete’s and High Wage Earner’s
- Qualify Using Pay-Stubs, W-2’s and Tax Returns
- Primary Residence, Second Homes and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- Loans $180k to $50 Million + Super Jumbo Mortgages
- Terms: Fixed, ARM’s and Interest Only
- SFR, Condos, Townhouse and 2-4 Units
- Commercial: 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
FHA Loans
- Qualify Using Pay-Stubs, W-2’s and Tax Returns
- Primary Residence Only
- Purchase, Rate/Term and Cash-Out Refinance
- Terms: Fixed and ARM’s
- Loans: $150k to County Conforming Loan Limit
- Residential: SFR, Condos, Townhouse and 2-4 Units
VA Loans
- Zero down payment mortgages – VA Benefit
- Qualify Using Pay-Stubs, W-2’s and Tax Returns
- Primary Residence Only
- Purchase, Rate/Term and Cash-Out Refinance
- Terms: Fixed and ARM’s
- Loans: $150k to County Conforming Loan Limit
- Residential: SFR, Condos, Townhouse and 2-4 Units
Jumbo Mortgage Loans
- Jumbo Loans Available to $10 Million +
- Excellent Option For Borrower’s Needing Loans Exceeding Fannie Mae and Freddie Mac Conforming Loan Limits in California
- Interest Only Options Available
- Qualify Using 12 or 24 Months Personal or Business Bank Statements
- Primary Residence, Second Home and Investment Properties
- Purchase, Rate/Term and Cash-Out Refinance
- SFR, Condos, Townhouse and 2-4 Units
- Loans: Above Conforming to $10 Million +
- Terms: Fixed, ARM’s and Interest Only
- No Mortgage Insurance Required
