No Tax Return Loans
5/6 ARM
Term
6.625%
Interest Rate
6.580%
APR
No-Doc Mortgage Loans
Strong borrowers do not always look strong on paper.
If you are self-employed, recently retired, living off investments, or intentionally minimizing taxable income, traditional lenders often misread your financial position.
Insignia offers no-tax-return and stated income loan programs designed for borrowers whose financial strength shows up in cash flow, assets, and balance sheets, not W-2s.
If This Sounds Like You, You’re in the Right Place
Traditional income verification works well for salaried employees. But it breaks down quickly with borrowers who:
- Own businesses or operate as independent contractors
- Maximize deductions for sound tax reasons
- Earn income through real estate, investments, or distributions
- Have recently retired but maintain significant assets
- Show strong liquidity but limited reportable income
These borrowers aren’t necessarily high risk. They’re simply misread by many conventional lenders.
No Tax Return & Stated Income Loan Programs
There is no single “no tax return loan.” There are several structures, each designed to evaluate financial strength from a different angle.
No Tax Return & Stated Income Loans
These programs are built for borrowers with strong overall financial profiles whose income does not show up cleanly on tax returns.
Key Features:
- Qualification using income and assets, including private investments and real estate
- Loan amounts up to $10M, with exceptions for larger loans
- Available for primary residences, second homes, and investment properties
- All entity types supported, including irrevocable trusts, LLCs, and corporate ownership
These loans are commonly used for purchases, refinances, and cash-out scenarios where flexibility matters.
Bank Statement-Only Programs
Bank statement loans focus on cash flow rather than reported income.
They are designed for self-employed borrowers who aggressively deduct expenses or earn income through a mix of W-2 and self-employment sources.
Key Features:
- Qualification using 12–24 months of personal or business bank statements
- No tax return review required
- Loan amounts up to $10M
- Loan-to-value ratios up to 90%
- Available for primary residences, second homes, and investment properties
- Typically requires a middle credit score of 660 or higher
These programs work best when cash flow is strong but taxable income is intentionally reduced.
No Income or Income Verification Loans
Some borrowers prioritize privacy and simplicity.
These programs are based primarily on credit strength, down payment, and liquid reserves, rather than employment or income documentation.
Key Features:
- No income or employment verification required
- Qualification based on down payment and reserves
- Typically requires a 40% down payment for purchases or 60% equity for refinances
- Loan amounts up to $5M
- Available for multiple property types
- Open to both domestic and foreign national borrowers
- Minimum middle credit score of 680
These loans are often used by asset-rich borrowers who prefer discretion or have nontraditional income sources.
CDFI Loans: Community-Focused Financing
Not every borrower fits a luxury or high-asset profile.
CDFI (Community Development Financial Institution) loans are designed to support low-income, self-employed, or underserved borrowers who may struggle to produce traditional income documentation.
Key Features:
- Designed for gig workers and borrowers without standard income documentation
- Competitive rates
- Financing up to $3M
- Down payments as low as 30%
- No mortgage insurance required
These programs provide access to financing when conventional paths are limited.
Additional Loan Programs
Explore Your Loan Options
Whether you want long-term stability or short-term flexibility, we’ll connect you with the jumbo loan program that fits your goals.
How We Take You From Consultation to Close
Every borrower has different goals. Some want predictability—others want the flexibility to keep cash free for investments. That’s why we offer multiple jumbo loan structures.
Application & Analysis
We start by reviewing your income, assets, credit, and cash flow to design a loan that fits your financial picture. That could mean structuring through an LLC, working with international assets, or finding solutions when traditional guidelines fall short.
Pre-Approval
Our pre-approvals carry weight because we verify the details up front, not later in the process. So when you make an offer, sellers and agents know you’re ready to close—not just testing the waters.
Loan Approval
We keep your file moving and anticipate lender requests before they cause delays. Most approvals come back in as little as 5–7 business days.
Closing
We coordinate directly with all parties and handle the details behind the scenes. The result? You show up to closing confident, prepared, and ready to pocket the keys.
Frequently Asked Questions
Why Clients
Choose Insignia
Our Team
Our brokers rank among the top 50 in the nation. They’re the people who cut through the red tape and open doors to niche lenders. But what matters more is what that means for you—speed, clarity, hands-on support, and a confident close.
Damon Germanides
Co-founder / Broker
Chris Furie
Co-founder / Broker
Neil Patel, CPA
Principal / Head of Sales
Julie Flatland
Head of Underwriting & Operations Manager
Michael Nassirzadeh
Broker Associate/Senior Commercial Loan Analyst
Noah Furie
Capital Markets
Jonathan Bulaon
Loan Originator
Todd William Harris
Head of Construction Lending & Broker Associate
Patrick Mckenna
Broker Associate
Romy Nourafchan
Broker Associate
Scott T. Sealey
Senior Loan Originator/First-Time Home Buyer Expert
Nick Van Dueck
Donabel Aguila
Loan Set Up
Richard Cadiente
Senior Processor
Jesebel Da Sagun
Senior Underwriter
Rhonda Ramirez
Loan Officer Assistant/Senior Processor
James DeBeck
IT Management
Euereze Tabar
Accounting
Who We Serve
Every client has a different story. Our job is to take that story, however complex it is, and turn it into a financing solution that works.
Private & High-Net-Worth Clients
Wealth rarely fits inside a template. Trusts, layered assets, and investment portfolios often confuse traditional underwriters. We know how to structure these profiles clearly and persuasively, ensuring you get the terms and speed your financial position deserves.
Entrepreneurs & Self-Employed Borrowers
Running a business comes with freedom and just as much complexity. Traditional lenders want pay stubs, not statements, contracts, or cash flow. We translate your true income picture into terms lenders understand, helping you qualify for the financing you deserve.
Foreign National & International Clients
Cross-border finances can be complicated. Whether you’re earning abroad, managing global investments, or buying property in the U.S., we connect you to lenders who understand international assets and residency requirements so approvals don’t get lost in translation.
Real Estate Investors
Opportunities don’t wait, and neither should your financing. From single-unit purchases to portfolios under $20M, we deliver speed and certainty through lenders who understand the investor mindset. We structure real-world investment loans around real-world borrowers.
Community Lending
Not every buyer needs a jumbo loan or a perfect financial profile. Many qualified borrowers simply need access to programs that make homeownership more attainable. That’s exactly what our FHA, VA, conforming, and community lending options are designed to do.