Mortgages for the Self-Employed Borrower
Qualify for a Mortgage with
Only Your Bank Statements
NO Tax Returns
NO W-2s
NO 1099s
NO Paystubs
NO Pre-Pay Penalties
Our Process
1. Call or Apply Online
Call or Apply Online and our team of licensed loan officers will help qualify for the best mortgage program that suites your needs!
3. Closing & Funding
Your loan will receive a clear-to-close approval, a date will be set for you to sign, and your funds will be disbursed!
2. Processing
Your loan will be underwritten and an appraisal will be ordered on the Subject property.
Our Process
1. Call or Apply Online
2. Processing
3. Closing & Funding
Program Highlights
NO Tax Returns
NO Paystubs or W-2s
NO Profit and Loss Statements
NO Pre-Payment Penalties
Use Personal or Business Bank Statements
Why Choose NonQM123?
Many benefits come with being an entrepreneur, freelancer and/or small business owner. However, financing may not be one of them. Many self-employed borrowers struggle to get approved because of their inability to document income. That has all Changed Now! NonQM123 has the answered to your questions on how!
At NonQM123, we believe that you shouldn’t be penalized for your write-offs, instead, we have bank statement programs that are designed to help you get approved with alternative documentation. We understand that every person’s situation is different and may require alternative approaches. With our bank statement loan, you can refinance a home without having to provide any Tax Returns. Our team of dedicated mortgage professionals is here to help you through the whole process because your time should be spent running your business, not running down paperwork for a mortgage.
Eligible Properties
Single-Family Residences
Townhomes
Condominiums
Non-Warrantable Residential
2 to 4 Units Residential Properties
What Our Clients Say
Mary Nguyen. | San Diego, CA
I didn’t think it was possible to ever qualify for a mortgage loan being Self Employed. However, after calling in and speaking with NonQm123, they were able to qualify me under a Business Bank Statement program and funded my NEW HOME PURCHASE!
Raymond Dobson. | CA
Being self-employed is great! But not when it comes to financing and getting qualified for a mortgage loan. Did a quick search and found NonQM123. Applied on their website and the same day, I got a call and told them about my situation, Ken was super knowledgeable and professional and got me qualified to purchase a New Home in 1 day.
Rhonda Hubert. | CO
I couldn’t provide tax returns, I haven’t filed in 2/3 years. So I would never thought I could buy a home. NonQM123 offered me a solution. I was able to qualify by submitting 12 months of personal bank statements. I bought a home 44 days later. Thank you NonQM123!
Frequently Asked Questions
As a Direct Lender, NonQM123 makes all of the credit decisions and exceptions in-house, providing Flexible Qualification and Faster Underwriting.
With Our Fully Automated LOS System and Highly Qualified Mortgage Bankers are eager to assist you with the Loan Application Process today, and you should Expect Lower Costs, Less Frustration, and Faster Funding!
**Banking Loans from 150K to 30M in CA, CO, FL, ID, LA, NJ and TX only – Please Call Today!