At Equitable Lending, we specialize in a variety of mortgage solutions including Purchase Loans, Refinance Loans, Reverse Mortgages, and more. Our team is dedicated to simplifying your lending experience.
No tax returns needed. Get approved faster with our streamlined process designed for self-employed professionals and entrepreneurs.
At Equitable Lending, we specialize in a wide range of mortgage solutions designed to meet the specific needs of buyers, investors, and developers.
Our commitment to making mortgages easy ensures a smooth process from start to finish. Bring us any competing offer, and we'll work hard to beat it!
No matter your situation, we've got you covered with unique solutions tailored to your needs.
Don't just take our word for it. See what our satisfied clients say about their experience with our no tax return loan programs.
First-Time Homebuyer
"Equitable Lending provided me with an amazing experience securing my first home loan. Their team made the process seamless and stress-free!"
Property Investor
"As an investor, I have worked with numerous lenders, but Equitable Lending stands out for their expertise in wholesale lending and quick approvals. Highly recommended!"
Refinance Client
"The customer service I received from Equitable Lending was exceptional. They guided me through every step of the refinancing process and answered all my questions promptly."
Experience the same exceptional service that our clients rave about. Get started with your no tax return loan today.
No tax return loans are designed for borrowers who prefer not to use tax returns to qualify—ideal for self-employed individuals, investors, or those with non-traditional income sources. These flexible loan programs use alternative documentation to verify income.
Qualify using 12–24 months of deposits
Use a CPA- or self-prepared profit & loss statement
Income calculated from liquid assets
Investor program based solely on rental income
Employment verified directly with your employer
600 (some programs may allow lower with compensating factors)
$100,000 (some programs start as low as $75,000)
• Up to 85% for primary homes
• Up to 80% for second homes or investment properties
Primary residences
Second homes
Investment properties
Condos
2–4 unit properties
Non-warrantable condos
Mixed-use (in some cases)
Depending on program:
Our loan specialists will help you find the perfect program that matches your unique financial situation.