Insignia Mortage

Interested in No Tax Return, CDFI, or Bank Statement Loans?

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No Tax Return, CDFI, and Bank-Statement Loans

The Ideal Mix of Customized Products and Core Expertise for the Self-Employed and Recently Retired.

Insignia Mortgage structures customized no-tax return loan programs for the self-employed, real estate professionals, and retired borrowers who have excellent credit and strong liquid reserves, and/or other balance sheet assets. Whether you are looking to purchase a new home, refinance an existing home, or take cash out from your home, Insignia Mortgage has access to a variety of lending sources to match clients’ unique financials with the most discerning lenders.

CDFI Loans

No Income Verification Required

CDFI’s are “community development financial institutions” and aim to offer financial products to low-income and/or self-employed people who are difficult for traditional banks to underwrite and also underserved communities. Rates are competitive and loans are available up to $3 million with as little as a 30% down payment.

CDFI’s tend to offer simpler products that don’t require the borrower to provide proof of income and the focus is on borrowers who meet the criteria. Funding may take a bit longer than with traditional lending sources.

Please contact us to discuss this program.

  • Ideal for investors who are self-employed, have very complex financials, or are retired. Stated income options are available in certain circumstances with attractive rates.
  • Primary, vacation, and investment properties are eligible.
  • Loans from $500K to $25 million and loan-to-value (LTV) up to 90% of property value.
  • One-year tax return, CPA-prepared financial statement, and 12-24 month bank statement jumbo loan programs available.
  • Non-traditional underwriting: income statement and balance sheet analyzed including non-liquid assets such as real estate assets, private stock, and art.
  • Revocable, Irrevocable, LLC, LP, or corporate entity structures all welcome.
  • 1031 Exchange transactions with loan made to entity permitted.
  • Unique solutions for adjustable rate mortgages (ARM’s) that are about to or have reset to a higher interest rate, including long-term interest-only loan options.
  • Interest-only loans available for both No Tax Return and Bank Statement Loan Programs.
No Tax Return Program
3/1 ARM 1
Interest Rate
($500,000 - $10,000,000)
Irrevocable Trust, Blind Trust, LP &
LLC Vesting OK
Press Highlights

Our No Tax Return Program utilizes the following alternative financial documentation:


Recent self-employed income verification.


CPA-prepared profit-and-loss statements and balance sheet.


Divorce and retiree income.


Real estate schedules and liquid asset statements.


Transaction Spotlight

The Situation

We recently helped a client who had already owned over 25 different tax entities and over 20 different properties to purchase a $8.5 million primary residence with 55% lender financing.

The Solution

Insignia Mortgage underwrote the cash flow and approximate net equity in the borrower’s real estate holdings and verified the down payment from several business bank accounts. A complex vesting structure to a corporation with borrower guaranteeing the home loan was approved by the lender.


The Loan Details

  • $4.75 million loan amount
  • 7/1 ARM
  • 3.788% APR
  • No prepayment penalty on a 30-year term
  • 40-day close of escrow
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