When Banks Say No.... We Say Yes.

No Tax Return Required Mortgages are for borrowers that are self employed or 1099 or a combination of both.

Traditional tax returns often don't reflect the true financial strength of an entrepreneur. If you are self-employed or a 1099 contractor, our Bank Statement Mortgage offers a smarter way to qualify.  By utilizing your actual cash flow rather than taxable income, we empower you to secure the home you deserve.

We calculate your qualifying income by averaging your personal or business bank deposits over 12 to 24 months. By applying a tailored expense factor based on your specific business model—whether you're a lean home-based consultant or a full-scale operation with employees—we ensure your application reflects your real-world purchasing power.

Strategic Program Highlights:

• High-Value Financing: Loan amounts available up to $4,000,000.
• Accessible Entry:  Minimum 640 FICO and down payments starting at 10%.
• Enhanced Equity: No monthly Mortgage Insurance required.
• Versatile Usage: Available for primary residences, secondary homes, and investment properties.
• Lean Reserves: Qualification possible with as little as 6 months of reserves.

Asset Utilization: Turn Your Net Worth Into a "Yes"

For high-net-worth individuals and retirees, traditional "monthly income" isn't always the best measure of financial stability. Our Asset Utilization Mortgage bypasses tax returns entirely by leveraging your existing wealth to establish qualifying power.

This program is ideal for borrowers who maintain significant liquidity but choose not to pay themselves a fixed salary or set up rigid withdrawal plans. Whether you are a business owner with substantial savings or a retiree with a diverse portfolio, we look at the big picture of your assets to secure your financing.

Eligible Assets Include:

• Checking, Savings, and Certificates of Deposit (CDs).
• Publicly traded Stocks, Bonds, and Mutual Funds.
• Retirement accounts (401(k), IRA, Keogh).
• Cash value from Whole-Life Insurance policies.

Ready to see what you qualify for?

Call 801-792-1257 today for your custom, no-obligation quote.

Traditional tax returns often don't reflect the true financial strength of an entrepreneur. If you are self-employed or a 1099 contractor, our Bank Statement Mortgage offers a smarter way to qualify.  By utilizing your actual cash flow rather than taxable income, we empower you to secure the home you deserve.

We calculate your qualifying income by averaging your personal or business bank deposits over 12 to 24 months. By applying a tailored expense factor based on your specific business model—whether you're a lean home-based consultant or a full-scale operation with employees—we ensure your application reflects your real-world purchasing power.

Strategic Program Highlights:

• High-Value Financing: Loan amounts available up to $4,000,000.
• Accessible Entry:  Minimum 640 FICO and down payments starting at 10%.
• Enhanced Equity: No monthly Mortgage Insurance required.
• Versatile Usage: Available for primary residences, secondary homes, and investment properties.
• Lean Reserves: Qualification possible with as little as 6 months of reserves.

Asset Utilization: Turn Your Net Worth Into a "Yes"

For high-net-worth individuals and retirees, traditional "monthly income" isn't always the best measure of financial stability. Our Asset Utilization Mortgage bypasses tax returns entirely by leveraging your existing wealth to establish qualifying power.

This program is ideal for borrowers who maintain significant liquidity but choose not to pay themselves a fixed salary or set up rigid withdrawal plans. Whether you are a business owner with substantial savings or a retiree with a diverse portfolio, we look at the big picture of your assets to secure your financing.

Eligible Assets Include:

• Checking, Savings, and Certificates of Deposit (CDs).
• Publicly traded Stocks, Bonds, and Mutual Funds.
• Retirement accounts (401(k), IRA, Keogh).
• Cash value from Whole-Life Insurance policies.

Ready to see what you qualify for?

Call 801-792-1257 today for your custom, no-obligation quote.