No Tax Returns Programs

Our Stated Income, No Income Doc programs allow for self-employed, business owners and wage earners to use alternative documents to establish their income to qualify for a mortgage for home purchase or refinance. These loans provide many financing options including a variety of ARM options, 30 year fixed mortgages and even interest only options. Owner-occupied and investment properties qualify under these loan programs. We are able to provide financing even with as little as 10% Down Payment and No Tax Returns are required for these programs.

Alternative documents include any of the following options:

• Self-employment or company profit and loss (P&L) statements
• Company or Personal bank statements – 12 or 24 months
• Rental income from the subject property – Investor Advantage Program
• As little as 10% down payment options

Investor Advantage Program

Our Stated Income, No Income Doc programs allow for self-employed, business owners and wage earners to use alternative documents to establish their income to qualify for a mortgage for home purchase or refinance. These loans provide many financing options including a variety of ARM options, 30 year fixed mortgages and even interest only options. Owner-occupied and investment properties qualify under these loan programs.

Alternative documents include any of the following options:

• Self-employment or company profit and loss (P&L) statements
• Company or Personal bank statements – 12 or 24 months
• Rental income from the subject property – Investor Advantage Program
• As little as 15%-20% down payment options

Jumbo Loan Options

• 5% DOWN PAYMENT
  • NO MI – MORTGAGE INSURANCE
  • ONLY One Year Tax Returns
  • LOANS up to $2m – Primary Purchase

Bank Statement Program

The Bank Statement program is designed to help self-employed borrowers qualify by analyzing their cash flow. In lieu of tax returns, we can utilize 12-24 months of business or personal bank statements. Income is calculated from the average of monthly deposits, NOT the withdrawals. We provide options with as little as 10% down payment.

Foreign National Program

The foreign national program allows foreign investors to purchase properties in the California; all foreign income, credit and tax documentations are acceptable; For countries with no taxation or credit systems, these documents will not be required.