NO TAX RETURN LOANS
The perfect mix of customized products and fundamental expertise for the self-employed and recently retired.
The Funding Group helps structure customized no-tax return loan programs for the self-employed, real estate professionals, and retired borrowers who have excellent credit and strong liquid reserves, and/or other balance sheet assets.
Whether you are looking to purchase a new home, refinance an existing home, or take cash out from your home, The Funding Group has access to an assortment of lending sources to match clients’ unique financials with the most discerning lenders.
Let Us Help
CDFI Loans
No Income Verification Required
CDFI’s are “community development financial institutions” and focus on offering financial products to low-income and/or self-employed individuals who are hard for traditional banks to underwrite and also underserved communities.
Rates are competitive and loans are available up to $3.5 million with as little as a 25% down payment.
CDFI’s usually tend to offer easier products that do not require the borrower to provide proof of income and the focus is on borrowers who meet the criteria.
Funding may take a little longer than with conventional lending sources.
There Is A Way To Make It Work
Feel free to contact us to speak further about this program.
- Perfect for investors who are self-employed, have very complex financials, or are retired. Stated income options are available in certain circumstances with attractive rates.
- Primary, vacation, and investment properties are eligible.
- Loans from $500K to $25 million and loan-to-value (LTV) up to 90% of property value.
- One-year tax return, CPA-prepared financial statement, and 12-24 month bank statement jumbo loan programs available.
- Non-traditional underwriting: income statement and balance sheet analyzed including non-liquid assets such as real estate assets, private stock, and art.
- Revocable, Irrevocable, LLC, LP, or corporate entity structures all welcome.
- 1031 Exchange transactions with loan made to entity permitted.
- Unique solutions for adjustable rate mortgages (ARM’s) that are about to or have reset to a higher interest rate, including long-term interest-only loan options.
- Interest-only loans available for both No Tax Return and Bank Statement Loan Programs.
Every individual has a story. Our non-QM loans help more borrowers achieve the dream of home ownership.
“I had a very difficult situation with complexities that I will not go into but Wes was patient and stood by us the entire time. He was smart and had a lot of creative ideas. I cannot thank him enough and will be going back to him when I make my next purchase!“
– Garret W.
Frequently Asked Questions
What is the lowest fico you accept ?
580 credit score
What is the minimum down payment?
10% on Jumbo and 5% for conventional
Do you have programs that don’t require tax returns?
Yes, bank statement and DSCR program and full stated program
Start Your Loan Application
Ready to start your loan application process? Simply fill out this contact form and one of mortgage brokers will be in contact with you in a timely manner.
At The Funding Group we deliver the absolute best lending experience through knowledge, communication and care.
Our mission supports the growth and strength of our communities and provides a pathway to the dream of home ownership.
Address
451 N Canon Dr Suite 1
Beverly Hills California 90210
wesley@thefundinggroup.com
