No Tax Returns & True

"Stated Income"

Mortgages

Because Your Hard Work Deserves a Home

You've built your business with dedication and hard work. Now, let's help you secure the place you've always wanted. Take the first step towards your new home today!

Home Loans Designed for the

Self-Employed

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Fast, Flexible Financing for Self-Employed Success

Being self-employed shouldn’t keep you from homeownership. If tax write-offs, fluctuating income, or unconventional pay structures have made mortgage approval a challenge, we’ve got solutions designed just for you.

🔹Bank Statement Loans – Qualify using 12-24 months of bank deposits, not tax returns.

🔹1099 & Gig Worker Programs – Prove income with 1099s or contract earnings.

🔹Profit & Loss (P&L) Loans – Use a CPA-prepared P&L statement to qualify.

🔹Asset-Based Mortgages – Use your savings and investments to qualify.

🔹Flexible Debt-to-Income Considerations – Because your real income is more than just numbers on a form.

Let’s make homeownership happen.

  • Fast Approvals: Get a decision in as little as 24 hours—no endless waiting.

  • No Traditional Income Proof Required: We understand tax returns don’t tell the whole story.

  • Own Your Place, Even Without a Traditional Paycheck. We Understand Your Income.

  • UP TO $10 MILLION LOAN AMOUNTS

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Answers to Your Questions

What is a Bank Statement Loan?

A Bank Statement loan is for someone who is self-employed but can’t prove their income. Typically this borrower has a lot of tax deductions and writes off a lot of expenses therefore on paper, the net income is too low to be used for a conventional loan program. Here at Equinox we have the option to not use your income and we verify that by using your bank statement deposits instead. This is a Bank Statement program. As long as a homeowner or buyer can demonstrate that they have enough money in the bank to continue making on time payments, they are qualified for the loan program. 

What is a P&L Loan?

A P&L loan, or Profit & Loss Statement loan, is a type of mortgage for self-employed individuals or business owners who qualify for a loan based on their business's profit and loss (P&L) statement, rather than traditional income verification methods like W-2s or tax returns. 

What is an Asset-Based Loan?

An asset depletion loan, also known as an asset-based loan, allows borrowers to use the value of their liquid assets to qualify for a mortgage, rather than relying on traditional income verification like pay stubs or tax returns. 

Is My Credit Score a Factor in Getting Approved?

We do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 620 FICO score at times. . If your financial situation makes sense today, we can lend you the money you need for a self-employed purchase loan or a refinance loan.

How Do I Get Qualified?

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. We have been providing these programs since they have been made available and have been able to help many self-employed business owners purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it’s best to speak with us so we can guide you in the right direction.

What Type of Properties Can I Finance?

t depends what type of loan program you are qualified for. We can offer this loan on an Owner Occupied, Second Home, or Investment property. We can lend on single family residences, condo’s and 1-4 unit properties.

Kurt Kessler

NMLS#3651301
Mortgage Banker/Broker

Specializing in Self-Employed Clients

Traditional lenders don’t understand your income. We do . Get a mortgage built for business owners, freelancers, and independent professionals.