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.

  • 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
  • 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
  • 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
  • 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
  • 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.

  • 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
  • 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
  • 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
  • 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 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