MGB Financial Services, Inc
18300 Gridley Road, Suite I
Artesia, CA 90701
Phone No: 562-809-2643 / Fax No: 562-809-0644
Email: loan@mgbfinancial.com
BRE# 00984310
NMLS# 257-608 / 280-127
Conventional Loans
No Tax Return" Non-QM Loans are mortgage products designed for borrowers who can't qualify using traditional income documentation (like W-2s or tax returns), often used by self-employed individuals, business owners, or retirees with non-traditional income sources.What Is a No Tax Return Non-QM Loan?
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t meet the strict guidelines of conventional loans (Fannie Mae/Freddie Mac).
A No Tax Return Non-QM loan specifically allows you to qualify without submitting tax returns — instead, lenders use alternative documentation.
Common Types of Income Documentation Used
Instead of tax returns, these loans typically rely on:
- Bank Statement Loans
- Use 12–24 months of personal or business bank statements to verify income.
- Good for self-employed borrowers.
- Asset Depletion Loans
- Use existing assets (e.g. retirement accounts, investments) to calculate "income".
- 1099 Income Loans
- Use 1099s from contract/freelance work as proof of income.
- P&L Statement Loans
- Use a Profit & Loss statement (often CPA-prepared) instead of tax returns.
Who Typically Uses These?
- Self-employed individuals
- Business owners
- Real estate investors
- Retirees with assets
- Gig workers and freelancers
Highlights
- No need for tax returns or W-2s
- Flexible underwriting guidelines
- Allows for higher debt-to-income ratios in many cases
- Alternative income types accepted
Always check current availability, as non-QM offerings can vary or pause based on market conditions.
Why Pre-Qualify with Us?
Quick & Simple Process
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.
Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!
It’s quick, secure, and helps you understand how much home you can afford.
Start Your Pre-Qualification Application Now
Need Help?
If you have any questions or need assistance with the application,
don’t hesitate tocall us at 562-809-2643
we’re here to help every step of the way!
Start Your Pre-Qualification Application
Short Form
Full Form
Why Pre-Qualify with Us?
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!It’s quick, secure, and helps you understand how much home you can afford.
Need Help?
If you have any questions or need assistance with the application, don’t hesitate to call us at 562-809-2643 we’re here to help every step of the way!