Your personal BFG Lending team offers expert knowledge, industry-leading service, and specialized products for reduced doc mortgages.  We qualify without needing tax returns!

 Why Choose Our No Income DOC Verification Home Loan?

Privacy Preserved: Enjoy a private financial journey while securing the keys to your new home.

Irregular Income: Sometimes it's just too complicated to provide the required income and employment verification.  For this home loan option we simply just leave it off the application all together. Not listed, not verified!

Unplanned Circumstances: Many times and for many reasons our borrowers just need a fast and easy path for a home loan approval.  Sometimes its a recent divorce, sometimes you are in between jobs or perhaps your recently retired. Don't let bad timing prevent you from securing a needed home loan.

Here are our most popular no tax return mortgage solutions for reduced doc borrowers.

✅  Bank Statement Qualifier 

We can determine your eligibility by considering deposits made to your business or personal bank account, particularly those related to your business activities.  Available for most all self-employed borrowers.  No tax returns required so we are focusing on your gross revenue by way of bank deposits. Typically we use 12 months bank statement totals but we do offer a 3 month program. 

✅  1099 Only, CPA Letter Or Profit & Loss Products

 We can assess your eligibility by examining the total income reported on your recent 1099 statements, or with a basic CPA Letter or a borrower prepared P & L.  No tax returns needed and we focus on your total revenue which can be from multiple sources. 

✅  Asset Depletion Or Asset Only Loans

Asset depletion loans convert a borrowers liquid assets into income streams for qualifying purposes. An asset only loan for a residential property will look for liquid asset totals to equal the amount of the loan amount requested.  Asset depletion can also be used in conjunction or combined with other income streams such as social security, pensions or business revenue.

✅ True No Income Options

Certainly, if necessary, we can offer a genuine "no income, no employment" loan product. That's correct, you won't need to provide any income or employment information on the application and no tax returns. This EZ qualifier option is available for primary, 2nd home and investment property. Please note that this option may come with a higher interest rate because of the limited documentation required.